IMPORTANT! This is MoneySavingExpert's open forum - anyone can post

Please exercise caution & report any spam, illegal, offensive, racist, libellous post to forumteam@moneysavingexpert.com

  • Be nice to all MoneySavers
  • All the best tips go in the MoneySavingExpert weekly email

    Plus all the new guides, deals & loopholes

  • No spam/referral links
or Login with Facebook
Widows entitlement to state pension
Closed Thread
Views: 59,272
Thread Tools Search this Thread Display Modes
# 1
clairehi
Old 06-01-2008, 10:04 PM
Serious MoneySaving Fan
 
Join Date: Mar 2006
Posts: 1,329
Default Widows entitlement to state pension

Hi guys

Sadly, my father died on Christmas Day 2007 aged 63. He therefore was never able to collect his state pension althought he had a full record of contributions
My mother is 61 and has been in receipt of a partial state pension since she was 60.

I have received the DWP booklet "what to do when someone dies" from the hospital but it is unclear on what if anything someone in my mothers position is entitled to. when I registered the death I was given a form to complete with an envelope to return to the Pensions Agency (?) in Cardiff but have heard nothing back as yet.

my father was under the impression that my mothers state pension would be "made up" to the full amount on his death and that she would receive 2000 Bereavement Payment, but I am not sure if this is correct. can anyone advise?


thanks
clairehi is offline
Report Post
# 2
CLAPTON
Old 06-01-2008, 10:25 PM
Deliciously Dedicated Diehard MoneySaving Devotee
 
Join Date: Mar 2006
Posts: 31,314
Default

try reading

http://www.direct.gov.uk/en/RightsAn...eath/DG_066810
CLAPTON is offline
Report Post
The Following User Says Thank You to CLAPTON For This Useful Post: Show me >>
# 3
jem16
Old 06-01-2008, 10:33 PM
Deliciously Dedicated Diehard MoneySaving Devotee
 
Join Date: Aug 2005
Location: South Lanarkshire
Posts: 15,212
Default

Quote:
Originally Posted by clairehi View Post
my father was under the impression that my mothers state pension would be "made up" to the full amount on his death and that she would receive 2000 Bereavement Payment, but I am not sure if this is correct. can anyone advise?


thanks
Sorry to hear about your loss.

It seems that your father was correct and your mother should now receive a pension based on your father's contributions. Exactly how much would depend on thos contributions and may well be the full amount. It looks likely that she is also entitled to the 2000 Bereavement Payment as he was not in receipt of his state pension when he died.

See P77 of this guide where it explains in more detail;

http://www.thepensionservice.gov.uk/.../np46apr05.pdf
jem16 is offline
Report Post
The Following User Says Thank You to jem16 For This Useful Post: Show me >>
# 4
Dustykitten
Old 06-01-2008, 10:51 PM
Deliciously Dedicated Diehard MoneySaving Devotee
 
Join Date: Aug 2006
Posts: 15,135
Default

Hi claire I am really sorry to hear about of your Father's Passing.

My Dad also died at 63 with my mother being 61. Mum's pension was increaed to a widows pension, she also received the 2000. I am pretty sure it was all triggered once we sent the form you mention off. With it being the holiday period I guess it may take a little longer but the back pay will be issued along with a notification of the figure from then on. Please feel free to PM me if I can be of any help as I have kept most of the paperwork involved.

Best Wishes

Dusty x

The birds of sadness may fly overhead but don't let them nest in your hair
Dustykitten is online now
Report Post
The Following User Says Thank You to Dustykitten For This Useful Post: Show me >>
# 5
clairehi
Old 08-01-2008, 2:37 PM
Serious MoneySaving Fan
 
Join Date: Mar 2006
Posts: 1,329
Default

thank you all. I had to refer to p 77 of the 120 page long NP46 form to confirm that my mum should get a pension increase to the value of my dad's state pension entitlement. Could they not make these things a bit clearer?

I believe the form I received from the registrar was the BD8 Certificate of Registration of Death, which should, accordingly to NP46 act as an application for the pension increase. This is a simple 2 sided A4 form. Job done

However in order to get the 2K bereavement payment (which will just about cover last month's gin bill....) Mum needs to complete another 20 page form, BB1, and send it to the JobCentre Plus office with original birth, marriage and death certificates. Or (rather than risk having her identity stolen by Royal Mail), she can take it in person to the local Job Centre Plus and (presumably) queue up along with all the dole claimants to be seen. Great - that should probably just about finish her off as well.
clairehi is offline
Report Post
# 6
Elcee
Old 12-01-2008, 8:47 PM
MoneySaving Newbie
 
Join Date: Jan 2008
Location: scotland
Posts: 7
Default

I am recently widowed aged 62 and receiving a partial state pension in my own right, my husband was 60 when he died in November 07 having a full record of contributions, I am not sure what I am entitled to and can anyone tell me to qualify for any additional pension, is it means tested?

Last edited by Elcee; 12-01-2008 at 8:53 PM.
Elcee is offline
Report Post
# 7
seven-day-weekend
Old 12-01-2008, 8:56 PM
Deliciously Dedicated Diehard MoneySaving Devotee
 
Join Date: Jun 2006
Location: HOME! West Midlands, England
Posts: 22,800
Default

I'm sorry to hear of your bereavement Elcee.

I think you can claim a full pension from your late husband's contributions . State Pension is not means-tested.
I am a Job Club Coach in Association with CAP
'I believe in Christianity as I believe that the sun has risen. Not only because I see it, but because I see everything by it': C.S. Lewis
I am a Floating Voter - every party wants to be my friend
seven-day-weekend is online now
Report Post
The Following User Says Thank You to seven-day-weekend For This Useful Post: Show me >>
# 8
Uluru
Old 07-12-2008, 10:56 PM
MoneySaving Newbie
 
Join Date: Dec 2008
Posts: 3
Unhappy Pension confusion and anxiety

Hi - I need some advice, but it is a bit complicated and I must admit I struggle to understand the whole pension area! But here goes... Here is the background: My father died suddenly in 2002 at the age of 58. He had been paying into a private pension fund (Unilever) and a representative for the fund came to see my mother at the time (age 58) - informing her that she could claim his pension and, being in full time education at the time, I started receiving an allowance (which stopped when I finished uni in 2004). My mother reached retirement age and started to claim my father's Unilever pension and a state pension (she had worked for a proportion of her life). I seem to recall at the time the pension representative came to see my mother, she said that my mother would be entitled to both pensions. My mother has never felt comfortable with this. She thinks that she is not entitled to both and that she is receiving too much, which is causing her a great deal of anxiety. Despite assuring her everything is OK - and even contacting the DWP and Unilever on her behalf (she does not understand everything to do with the pensions and struggles on the phone) to confirm it at least twice before - she is still extremely worried that she will have to pay it back and with interest. I guess what I am wanting is some confirmation that it is possible to receive both a private and state pension and if anyone else has been in this situation? How can I assure her everything is OK? I am assuming if it wasn't - it has been brought to the DWP/Unilever's attention via query, so they would have said so? She does not accept this argument however. Help! Thanks
Uluru is offline
Report Post
# 9
CLAPTON
Old 07-12-2008, 11:13 PM
Deliciously Dedicated Diehard MoneySaving Devotee
 
Join Date: Mar 2006
Posts: 31,314
Default

It's perfectly normal to receive a state pension based on her own contributions via NI and a occupational pension based on her husbands contribtions to a private (Unilever ) scheme

Otherwise no-one would contribute to occupactional schemes.

Does she have any friends in a similar situation that she could seek confirmation and make her feel more comfortable.
CLAPTON is offline
Report Post
# 10
EdInvestor
Old 08-12-2008, 12:08 AM
Deliciously Dedicated Doubly Diehard MoneySaving Devotee
 
Join Date: Sep 2004
Posts: 15,682
Default

Quote:
Originally Posted by Uluru View Post
My mother reached retirement age and started to claim my father's Unilever pension and a state pension (she had worked for a proportion of her life).
I suggest you contact the Pension Service to check on this.If she does not receive the full basic state pension in her own right, she may be better claiming on the basis of her late husband's contributions, as she would now, as a widow, receive 100% of his pension, plus 50% of any SERPS/S2P he was due.

www.thepensionservice.gov.uk

Is she paying the correct amount of tax? Both state and private pensions are taxable.
EdInvestor is offline
Report Post
# 11
margaretclare
Old 08-12-2008, 12:13 PM
Fantastically Fervent MoneySaving Super Fan
 
Join Date: Aug 2004
Location: Essex, England
Posts: 9,437
Default

If you're widowed before retirement age there is usually a form of 'pension' based on late husband's contributions.

Once you reach retirement age you have 2 options: EITHER (1) claim retirement pension based on your own contributions OR (2) claim retirement pension based on late husband's contributions, whichever is most favourable.

This happened to me in 1992. I was widowed age 56, late husband was 58, and because he hadn't yet become eligible for retirement pension, I was paid 1000 'bereavement payment' (it's now 2000).
r ic wisdom funde, r wear ic eald.
Before I found wisdom, I became old.
margaretclare is offline
Report Post
The Following User Says Thank You to margaretclare For This Useful Post: Show me >>
# 12
Uluru
Old 08-12-2008, 8:28 PM
MoneySaving Newbie
 
Join Date: Dec 2008
Posts: 3
Default

Thank you all for the swift responses! It is appreciated. Unfortunately she doesn't have many friends other than family (lost touch with many and think she finds it difficult to get out and make new ones). But even then she is quite uneasy about mentioning this as I think she feels that she is committing fraud of some kind - which as far as my siblings and I are concerned, cannot be the case as we have contacted the Pension Service in the past to confirm everything is OK and a representative from Unilever helped to sort everything at the very beginning!! The problem is we don't really understand the finer details of all this pension stuff and neither does she - so other than a lack of anyone telling us something is wrong when we have asked for confirmation (am I being completely niave here?), we find it difficult to substantiate an explanation that will remove her anxiety. I am trying to gather the facts to decipher the rationale behind the specific payments she receives, but I am struggling to understand it myself. One of the things she is worried about is the tax. How can we investigate this for her? Is it possible to claim a late husbands private AND state pension also? Or would this be covered by a private pension only? Thanks again.
Uluru is offline
Report Post
The Following User Says Thank You to Uluru For This Useful Post: Show me >>
# 13
jem16
Old 08-12-2008, 8:40 PM
Deliciously Dedicated Diehard MoneySaving Devotee
 
Join Date: Aug 2005
Location: South Lanarkshire
Posts: 15,212
Default

Quote:
Originally Posted by Uluru View Post
One of the things she is worried about is the tax. How can we investigate this for her?
Your mum is 64, possibly 65 now?

Personal allowance for up to age 65 is 6035. From age 65 it is 9030. You will need to add your mum's state pension and her gross pension from your dad's pension company together. Anything above the personal allowance is taxed at 20%. If she is above this personal allowance she needs to get in touch with HMRC who will send her a form to complete which should detail all of her income.

Quote:
Is it possible to claim a late husbands private AND state pension also? Or would this be covered by a private pension only? Thanks again.
Yes it is possible to claim both and you may find she gets more pension based on your dad's contributions. Contact them at the link EdInvestor gave earlier.
jem16 is offline
Report Post
The Following User Says Thank You to jem16 For This Useful Post: Show me >>
# 14
EdInvestor
Old 08-12-2008, 8:43 PM
Deliciously Dedicated Doubly Diehard MoneySaving Devotee
 
Join Date: Sep 2004
Posts: 15,682
Default

Quote:
Originally Posted by Uluru View Post
One of the things she is worried about is the tax. How can we investigate this for her?
Does she have a tax code?Has she received any communications from HMRC? If not, contact her tax office which will be the one which serves Unilever. There is a short form which they send to people who have recently retired - it's only a couple of pages long. Ask for one of those, fill it in and return it and Mum will then be deluged with letters announcing new codings for a few months as the system sorts her out Eventuallky it will become clear. Is tax being deducted from the Unilever pension? How much is her total income?

[quote]Is it possible to claim a late husbands private AND state pension also?-/quote]

Yes Normally what happens is the husband's occupational pension will pay a spouse's pension to the widow.This may or may not be as much as he got - between 50% and 100% of what he got is typical.

With the state pension, she should get 100% of his basic pension and (probably) 50% of any SERPS/S2P additional state pension he got.

Both these pensions can be received at the same time.
EdInvestor is offline
Report Post
The Following User Says Thank You to EdInvestor For This Useful Post: Show me >>
# 15
jem16
Old 08-12-2008, 8:51 PM
Deliciously Dedicated Diehard MoneySaving Devotee
 
Join Date: Aug 2005
Location: South Lanarkshire
Posts: 15,212
Default

Quote:
Originally Posted by EdInvestor View Post
and (probably) 50% of any SERPS/S2P additional state pension he got.
There may not be any/much SERPS/S2P as he may have been contracted out because of his occupational pension.
jem16 is offline
Report Post
# 16
seven-day-weekend
Old 08-12-2008, 9:37 PM
Deliciously Dedicated Diehard MoneySaving Devotee
 
Join Date: Jun 2006
Location: HOME! West Midlands, England
Posts: 22,800
Default

Both myself and my husband will be entitled to an Occupational Pension and a State Pension.

It is quite usual to have more than one pension source.

As for tax, your mum will have a personal allowance - add all her income together and if it is over her personal allowance she will have to pay tax on the excess.
I am a Job Club Coach in Association with CAP
'I believe in Christianity as I believe that the sun has risen. Not only because I see it, but because I see everything by it': C.S. Lewis
I am a Floating Voter - every party wants to be my friend
seven-day-weekend is online now
Report Post
The Following User Says Thank You to seven-day-weekend For This Useful Post: Show me >>
# 17
seven-day-weekend
Old 08-12-2008, 9:42 PM
Deliciously Dedicated Diehard MoneySaving Devotee
 
Join Date: Jun 2006
Location: HOME! West Midlands, England
Posts: 22,800
Default

If you want a rationale - her husband has paid into the private pension, so she is entitled to receive that (the amount according to the terms of the scheme); she has paid into her State Pension so she is entitled to receive that too, the amount depending on how many qualifying years she has.

She may also be entitled to some SERPS/S2P (additional State Pension) depending upon how much has been accrued.
I am a Job Club Coach in Association with CAP
'I believe in Christianity as I believe that the sun has risen. Not only because I see it, but because I see everything by it': C.S. Lewis
I am a Floating Voter - every party wants to be my friend
seven-day-weekend is online now
Report Post
The Following User Says Thank You to seven-day-weekend For This Useful Post: Show me >>
# 18
jancee
Old 08-12-2008, 10:31 PM
MoneySaving Stalwart
 
Join Date: Aug 2008
Posts: 215
Default

Another way of putting it might be to say, 'Right. Dad worked and paid National Insurance from his wages. That entitled him [and his widow if he died] to state pension. But he also paid out extra for his Unilever pension so that he and his wife would have more to live on in retirement. So he paid for two pensions from his wages every week, which costs a lot more than just National Insurance on its own, so she is entitled to both.
jancee is offline
Report Post
The Following 2 Users Say Thank You to jancee For This Useful Post: Show me >>
# 19
margaretclare
Old 09-12-2008, 11:09 AM
Fantastically Fervent MoneySaving Super Fan
 
Join Date: Aug 2004
Location: Essex, England
Posts: 9,437
Default

Quote:
Originally Posted by seven-day-weekend View Post
Both myself and my husband will be entitled to an Occupational Pension and a State Pension.

It is quite usual to have more than one pension source.
Yes. Many of us have state pension and work-based, or other private, pension in addition.

Quote:
As for tax, your mum will have a personal allowance - add all her income together and if it is over her personal allowance she will have to pay tax on the excess.
She will be better off for tax purposes when she reaches age 65, because that's when the age-related personal allowances kick in. Have a look on HMRC's site: http://www.hmrc.gov.uk/pensioners/index.htm

HTH
r ic wisdom funde, r wear ic eald.
Before I found wisdom, I became old.
margaretclare is offline
Report Post
# 20
boobbby
Old 10-12-2008, 1:28 AM
MoneySaving Stalwart
 
Join Date: Dec 2005
Posts: 637
Default

I often notice that posters refer to the age related pension allowance as being available from age 65. In fact it is available from the start of the tax year after your age is 64. Best day to be born is the 4th April !!
BB

Last edited by boobbby; 10-12-2008 at 9:25 PM.
boobbby is offline
Report Post
Closed Thread

Bookmarks
 
 




Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off

 Forum Jump  

Contact Us - MoneySavingExpert.com - Archive - Privacy Statement - Top

Powered by vBulletin® Copyright ©2000 - 2014, Jelsoft Enterprises Ltd.

All times are GMT +1. The time now is 3:48 PM.

 Forum Jump  

Free MoneySaving Email

Top deals: Week of 22 October 2014

Get all this & more in MoneySavingExpert's weekly email full of guides, vouchers and Deals

GET THIS FREE WEEKLY EMAIL Full of deals, guides & it's spam free

Latest News & Blogs

Martin's Twitter Feed

profile

Cheap Travel Money

Find the best online rate for holiday cash with MSE's TravelMoneyMax.

Find the best online rate for your holiday cash with MoneySavingExpert's TravelMoneyMax.

TuneChecker Top Albums

  • ED SHEERANX (DELUXE EDITION)
  • SAM SMITHIN THE LONELY HOUR (DELUXE EDITION)
  • STATUS QUOAQUOSTIC (STRIPPED BARE)

MSE's Twitter Feed

profile
Always remember anyone can post on the MSE forums, so it can be very different from our opinion.
We use Skimlinks and other affiliated links in some of our boards, for some of our users.