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    • loulou41
    • By loulou41 5th Dec 17, 9:30 AM
    • 2,639Posts
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    loulou41
    NHS pensions
    • #1
    • 5th Dec 17, 9:30 AM
    NHS pensions 5th Dec 17 at 9:30 AM
    We both received NHS pensions we joined in 1967. I always assume I will get my husband's 50% when he dies. My friend told me my husband will only get about a third of my pension . Are there different rules for widow and widower. Thanks
Page 1
    • Andy L
    • By Andy L 5th Dec 17, 9:35 AM
    • 8,571 Posts
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    Andy L
    • #2
    • 5th Dec 17, 9:35 AM
    • #2
    • 5th Dec 17, 9:35 AM
    The 1995 (and earlier?) scheme provides for a 50% survivors pension. The newer schemes a 37.5% - 33.75% pension, which is close enough to a 1/3rd to be what you friend is refering to.

    https://www.nhsbsa.nhs.uk/member-hub/family-and-your-pension
    • Silvertabby
    • By Silvertabby 5th Dec 17, 10:08 AM
    • 1,918 Posts
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    Silvertabby
    • #3
    • 5th Dec 17, 10:08 AM
    • #3
    • 5th Dec 17, 10:08 AM
    There ARE different rules for widowers pensions, especially relating to pre 1988 service and post retirement marriages.

    The rules are complex, so you need to look at the scheme booklet (available on line) to see what applies to you.
    • woolly_wombat
    • By woolly_wombat 5th Dec 17, 10:43 AM
    • 497 Posts
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    woolly_wombat
    • #4
    • 5th Dec 17, 10:43 AM
    • #4
    • 5th Dec 17, 10:43 AM
    You might find the following 'Review of Survivor Benefits in Occupational Pension Schemes' of interest:

    https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/323874/survivor-benefits-in-occupational-pension-schemes.pdf

    Specifically, paragraphs 2.11 - 2.16:

    Survivor benefits for opposite sex spouses
    2.11 Eligibility for survivor pensions has changed over time. Provision of survivor pensions for females who survive their male spouse developed much earlier than provision for males who survive their female spouse. In the post war period many schemes began to provide survivor benefits for women who survived their male spouse. However, survivor pensions for men who survived their female spouse were not routinely provided until much later.......etc etc
    • stoozie1
    • By stoozie1 6th Dec 17, 8:42 AM
    • 393 Posts
    • 255 Thanks
    stoozie1
    • #5
    • 6th Dec 17, 8:42 AM
    • #5
    • 6th Dec 17, 8:42 AM
    Loulou41 your total reward statement online updated to April 17 will show a pension value your spouse will receive annually in the event you go first.
    • loulou41
    • By loulou41 8th Dec 17, 8:42 PM
    • 2,639 Posts
    • 170 Thanks
    loulou41
    • #6
    • 8th Dec 17, 8:42 PM
    • #6
    • 8th Dec 17, 8:42 PM
    Loulou41 your total reward statement online updated to April 17 will show a pension value your spouse will receive annually in the event you go first.
    Originally posted by stoozie1
    Where do I find this? I have retired 12 yrs ago. Thanks
    • TARDIS
    • By TARDIS 8th Dec 17, 8:54 PM
    • 51 Posts
    • 33 Thanks
    TARDIS
    • #7
    • 8th Dec 17, 8:54 PM
    • #7
    • 8th Dec 17, 8:54 PM
    https://www.totalrewardstatements.nhs.uk
    • loulou41
    • By loulou41 9th Dec 17, 9:07 AM
    • 2,639 Posts
    • 170 Thanks
    loulou41
    • #8
    • 9th Dec 17, 9:07 AM
    • #8
    • 9th Dec 17, 9:07 AM
    Thanks according to the leaflet I got when I retired widower's pension will be half from 1988. I started to contribute from 1980 so my understanding is he will only get half of my NHS pension contributions from 1988. If I am a widow I will get half of his. Different rules seem to apply.
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