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    • trev1865
    • By trev1865 13th Jun 17, 11:42 AM
    • 48Posts
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    trev1865
    Pension question
    • #1
    • 13th Jun 17, 11:42 AM
    Pension question 13th Jun 17 at 11:42 AM
    I have been chasing up various pensions,bank accounts etc to see if there's any money still due.
    One pension in my dads name with boots got back to me today saying they had located it but" as we were informed on your fathers death there was no spouse the pension was ended"
    In fact my mum outlived my dad for several years so I can't help wondering if she was cheated out of some money by this wrong info boots had..more to the point can I do anything about it?
    Tia
    .
Page 1
    • xylophone
    • By xylophone 13th Jun 17, 12:03 PM
    • 21,994 Posts
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    xylophone
    • #2
    • 13th Jun 17, 12:03 PM
    • #2
    • 13th Jun 17, 12:03 PM
    One pension in my dads name with boots got back to me today saying they had located it but" as we were informed on your fathers death there was no spouse the pension was ended"
    Who gave Boots the wrong information? Why did your mother not query the lack of a widow's pension?

    You should write to the administrator setting out the facts and await the outcome of your letter.

    You may well find some assistance here.

    https://www.pensionsadvisoryservice.org.uk/
    • Silvertabby
    • By Silvertabby 13th Jun 17, 12:05 PM
    • 1,258 Posts
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    Silvertabby
    • #3
    • 13th Jun 17, 12:05 PM
    • #3
    • 13th Jun 17, 12:05 PM
    Did your mum marry your dad after he had retired? If so, it may be that his pension records showed his marital status as 'widowed' rather than 're-married'.

    Like xylophone, I'm also suprised that your mum didn't query this at the time - or did she?
    Last edited by Silvertabby; 13-06-2017 at 12:26 PM.
    • molerat
    • By molerat 13th Jun 17, 12:05 PM
    • 16,609 Posts
    • 10,828 Thanks
    molerat
    • #4
    • 13th Jun 17, 12:05 PM
    • #4
    • 13th Jun 17, 12:05 PM
    Were they still married and living together at his death ? Did they marry before or after he started drawing the pension and did they marry before or after he stopped working for them ? You need to write back stating all the facts and see what they come back with, in normal circumstances I would have expected her to be entitled to something but much may depend on those above questions.
    www.helpforheroes.org.uk/donations.html
    • Silvertabby
    • By Silvertabby 13th Jun 17, 12:22 PM
    • 1,258 Posts
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    Silvertabby
    • #5
    • 13th Jun 17, 12:22 PM
    • #5
    • 13th Jun 17, 12:22 PM
    Looks like Boots only closed their DB schemes (to new entrants) from 2010, so OP's father will almost certainly have been in receipt of a final salary pension and all that entails.

    OP - can you post:

    Dates your dad worked for Boots
    Date he started to draw his pension
    Date he died
    Date he married your mum.
    Last edited by Silvertabby; 13-06-2017 at 12:34 PM.
    • trev1865
    • By trev1865 13th Jun 17, 3:52 PM
    • 48 Posts
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    trev1865
    • #6
    • 13th Jun 17, 3:52 PM
    • #6
    • 13th Jun 17, 3:52 PM
    thanks everyone..mum and dad were married at time of his retirement and death..she would not have queried anything as suffered dementia..boots not saying who gave them wrong info..
    • trev1865
    • By trev1865 13th Jun 17, 3:56 PM
    • 48 Posts
    • 6 Thanks
    trev1865
    • #7
    • 13th Jun 17, 3:56 PM
    • #7
    • 13th Jun 17, 3:56 PM
    silvertabby..dad worked for boots before 1970 until approx 1997
    started to draw pension 1997
    died 2001
    date married 1950s
    • xylophone
    • By xylophone 13th Jun 17, 4:32 PM
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    xylophone
    • #8
    • 13th Jun 17, 4:32 PM
    • #8
    • 13th Jun 17, 4:32 PM
    It would seem that your mother should have received a widow's pension when your father died.

    You say that your mother was suffering from dementia - who dealt with probate/administration when your father died?

    Who dealt with your mother's affairs?

    Your mother has only very recently died?
    • Silvertabby
    • By Silvertabby 13th Jun 17, 10:03 PM
    • 1,258 Posts
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    Silvertabby
    • #9
    • 13th Jun 17, 10:03 PM
    • #9
    • 13th Jun 17, 10:03 PM
    xylophone is right. You need to take this further - the arrears could be paid to your mum's estate.
    • trev1865
    • By trev1865 13th Jun 17, 11:10 PM
    • 48 Posts
    • 6 Thanks
    trev1865
    Pretty sure my sister dealt with everything..she certainly lived with my mum.mum passed away 2007.. I have told this to boots they have yet to respond..I also contacted the pensions help site they said it may come under the 6 year rule which means nothing can now be done
    • LHW99
    • By LHW99 14th Jun 17, 10:03 AM
    • 805 Posts
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    LHW99
    Sometimes the 6 year rule has a "sort of" get out, that it can be six years from when the problem at issue was known about rather than when it actually arose.
    Don't know if that's relevant in this case though.
    • trev1865
    • By trev1865 21st Jul 17, 11:18 AM
    • 48 Posts
    • 6 Thanks
    trev1865
    Update..after first saying my mum was dead when the pension should have passed to her they then said she did receive a pension until her death but she was owed 147 quid which now passes to me. However to receive it I have to sign an indemnity. I am suspicious that they are trying to get out of a much bigger settlement? Any ideas how I should proceed?
    • xylophone
    • By xylophone 21st Jul 17, 12:04 PM
    • 21,994 Posts
    • 12,686 Thanks
    xylophone
    Update..after first saying my mum was dead when the pension should have passed to her they then said she did receive a pension until her death but she was owed 147 quid which now passes to me.
    You can write to the Administrators, ask for details of the pension paid and ask why any amount due was not paid to her estate when they were informed of her death.
    • Silvertabby
    • By Silvertabby 21st Jul 17, 12:31 PM
    • 1,258 Posts
    • 1,463 Thanks
    Silvertabby
    Update..after first saying my mum was dead when the pension should have passed to her they then said she did receive a pension until her death but she was owed 147 quid which now passes to me. However to receive it I have to sign an indemnity. I am suspicious that they are trying to get out of a much bigger settlement? Any ideas how I should proceed?
    As it's such a small amount, the indemnity is in lieu of probate and will cover themselves against another claim (ie, perhaps from another sibling that they didn't know about?) for this £147.

    I had to sign an indemnity when my sister died in hospital. leaving £100 in the ward safe.
    Last edited by Silvertabby; 21-07-2017 at 12:36 PM.
    • AnotherJoe
    • By AnotherJoe 21st Jul 17, 1:02 PM
    • 6,866 Posts
    • 7,302 Thanks
    AnotherJoe
    Update..after first saying my mum was dead when the pension should have passed to her they then said she did receive a pension until her death but she was owed 147 quid which now passes to me. However to receive it I have to sign an indemnity. I am suspicious that they are trying to get out of a much bigger settlement? Any ideas how I should proceed?
    Originally posted by trev1865
    You need to check this yourself by looking through her bank accounts for evidence of payments, since Boots have changed their answer it doesn't inspire confidence they know what they are doing.
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