pension and partner?

smudger1946

Hi All,
A bit of advice please,
IF MY PARTNER, WHO IS PAST RETIRING AGE MOVES IN WITH ME IN THE FUTURE AND WHEN I GET TO RETIRING AGE, DO WE KEEP BOTH PENSIONS OR WILL WE BE TREATED AS A MARRIED COUPLE AND LOSE SOME OF OUR PENSION, IF SO DOES ANYONE KNOW WHY?
SMUDGER

MikeJones_2

Hi smudger1946,

Are you talking about State Pensions, occupational pensions (such as defined benefit type pensions) and/or personal pensions?

Mike

mazarebacha

i think not just you both are a couple and you were not be able to keep both of your pensions. each on of you has a pension and both of you getting old and must to get that one well you can get that coz that is your pension and no matter a couple or a single..

EdInvestor

If your partner is a man getting the state pension and you are a women under retirement age,he can claim a dependant's allowance equivalent to 60% of his state pension for you now if you are living together.

When you reach retirement age this allowance would turn into your state pension, based on his contributions, unless you qualified for a higher state pension based on your own contributions.

There is no such thing any longer as the married couple's pension.

smudger1946

just state pension

jancee_2

EdInvestor wrote: »

If your partner is a man getting the state pension and you are a women under retirement age,he can claim a dependant's allowance equivalent to 60% of his state pension for you now if you are living together.

When you reach retirement age this allowance would turn into your state pension, based on his contributions, unless you qualified for a higher state pension based on your own contributions.

I don't think you're right there EdInvestor. Only wives can claim 60% of their husband's state pension, currently when he reaches 65. After 2010 this applies to husbands and civil partners too.

To the OP - yes, you will both keep your own pensions. And EdInvestor is right [this time ] in that there is no such thing as a married couple's pension.

seven-day-weekend

If you both have State Pension in your own right you will both be able to keep it.

This does not apply to any means-tested benefits you may also have which will be assessed as a couple.

EdInvestor

jancee wrote: »

I don't think you're right there EdInvestor. Only wives can claim 60% of their husband's state pension, currently when he reaches 65. After 2010 this applies to husbands and civil partners too.

It may be that we are both right.Certainly a husband over retirement age can claim a 60% dependant's allowance for an "underage" > 60 wife (who cannot claim a state pension based on her husband's contributions because she is under retirement age) , but this may not apply to a civil partner, I will have to check.

sebastianj

What about if wife is reaching retirement age and depends on husband pension, (has not worked, raised a family), husband not yet retired. Talking about state pension here, she may not be entitled to any thing??
rgd
seb

jancee_2

EdInvestor wrote: »

It may be that we are both right.Certainly a husband over retirement age can claim a 60% dependant's allowance for an "underage" > 60 wife (who cannot claim a state pension based on her husband's contributions because she is under retirement age) , but this may not apply to a civil partner, I will have to check.

Yes that's right. I misunderstood your former post. A woman or man who is over retirement age can claim the 60% adult dependency increase for their younger spouse or for a person who looks after their children - it doesn't apply to people who aren't married [except in the child caring aspect]. This is being phased out after 2010 but those already in receipt can keep it until 2020.

sebastienj - currently a wife cannot claim a state pension based on her husband's contributions until he himself claims his pension. After 2010 she can claim it when they are both at retirement age regardless of whether he claims his or not. And also after 2010 this applies to husbands and civil partners.

smudger1946

many thanks to all, you have answered my question .