partners pension

smudger1946

Hi All,
My partner female is retiring and moving in with me soon, she is of pensionable age, i am not.
The question is, will she lose some pension when she moves in or will i when i draw pension in 3yrs time? if so is there anyway around the problem?

dwileflunker

Her pension is based on the contributions she has made, as is your pension, and has nothing to do with whether you live together or not. Only if you try to claim other benefits will your individial circumstances be taken into consideration.

bristol_pilot

WARNING - if her pension is a widow's pension based on a late husband's contributions she may lose the lot (and not be able to get it back again later, for example if she breaks up with you).

Paul_Herring

I was under the impression that a widow's pension would be forfeited on marriage only, not by simply moving in with a partner.

bristol_pilot

Paul_Herring wrote: »

I was under the impression that a widow's pension would be forfeited on marriage only, not by simply moving in with a partner.

It can be forfeited on cohabitation also.

margaretclare

Therefore it's worth asking: how does she qualify for retirement pension? In her own right i.e. from her own NI contributions, having paid the 'full stamp' for the requisite number of years - 39 IIRC. Or is it from her late husband's contributions?

I have been led to believe that there is now no such thing as a 'widow's pension', but that there are the different ways of qualifying for one's state retirement pension, as above.

HTH

MikeJones_2

Hi smudger1946,

Apologies for these questions, but reading your query we'd really need to know the answers to at least these, prior to giving a meaningful reply:

- Are YOU male or female?
- Your age and your partner's age
- Are you referring to State Pensions, company pensions or private pensions or a combination?

Your answers to these could have a significant bearing upon any response you receive in this forum.

Mike Jones

I work in the field of Pension Education and Pension Guidance in the UK. I am a current member of the Specialist Pensions Forum as well as being a Voluntary Adviser for The Pensions Advisory Service. I work with employers, trustees, scheme administrators and advisers on most things to do with employer sponsored pension schemes. The views expressed by me in this thread are my personal opinions. You should seek professional advice from an appropriately experienced and qualified adviser.

smudger1946

Me male.62, the boss 63.
She has state pension, plus a minute private other pension which she hasnt drawn on yet as she just found out about it.

EdInvestor

If her state pension is based on her own contributions, should be no problem.