What will she get ?

battyboimatt

Hi All,

Just after some advice really, don't know where to start, well as some of you may be aware my dad has cancer and it is inoperable its starting to show as he's getting tired and that alot more, my question is as awful as it sounds is, my mother has never workd she has always been a hose wife so she has never paid any national insurance so she wont Qualify for state pension, my mother will turn 59 in Decemebr and I hope my dad is still around for months to come, so in theory what will my mother get to live off when my dad passes away if anything ? Is there anything she will be able to claim ?

sleepless_saver

Sorry to hear about your dad's health. Your mum will probably get a bereavement payment of £2000 plus a bereavement allowance which would last for a year and so take her up to her state pension age. The exact conditions are set out in this leaflet. She will get her state pension as she will be able to rely on your father's NI contributions for this.

Depending on her income and savings, she might also be entitled to other benefits, e.g. council tax benefit, housing benefit/LHA if she is in rented accommodation, and possibly pension credit after she reaches 60.

If your father has any life insurance policies etc then those would provide additional money.

EdInvestor

She will get your Dad' s basic state pension plus half his S2P plus pension credit if it's below a certain level. If your father has been paying into any company pensions she may also get a spouse pension or death benefits from that.

www.thepensionservice gov.uk can give you a forecast of your father's pension.

MrChips

Is your father a member of an occupational pension or life assurance scheme?

bendix

sleepless saver is quite right. She will get a state pension based on your dad's NI contributions.

Sorry to hear about his health. I lost my dad to leukaemia just last week. We buried him on Monday.

Oldernotwiser

Sorry to hear about your father.

If his condition is terminal, he should put in a claim for DLA under the "special rules" as this will be fast tracked and will give them some extra money in the next few months.

battyboimatt

Thanks Guy's this place is just so good for help/support and info, my dad has no life polices he does pay into the worlks pension scheme but has only been doing this for about 3 years, I work at the same place as my dad, my mother will get the house after he passes I live with my mom so Ill be able to help and pay bills etc so she wont need housing benefit, why do nasty things like this happen to all the nice people, my dad himself is 59 now hes been working too hard which is why I think he is tired all the time, but with cancer you never know, its just palative care with it been inoperable so, thanks guys for all your help so far

Matt x

molerat

The company pension scheme may also have a death in service benefit, mine was 3 x annual salary.

MrChips

molerat wrote: »

The company pension scheme may also have a death in service benefit, mine was 3 x annual salary.

Quite right. It is extrememly unusual for a work pension scheme not to have life assurance attached. I would expect your father's life to be insured for somewhere between 2 and 4 times his annual salary.

Assuming the pension scheme is run by trust, there will also be no inheritance tax to pay on the life insurance payout, so long as there is discretion involved in whom it is paid to. Make sure your father has completed an "expression of wish" form, indicating who he would like to benefit in the event of his death.

Job_2

Is the death in service payable only to the beneficiaries of the estate if the partner named had died.

EdInvestor

Job wrote: »

Is the death in service payable only to the beneficiaries of the estate if the partner named had died.

No, it doesn't go into the estate, but is rather distributed by the trustees of the pension scheme at their discrtetion.Normally the scheme members nominates his chosen beneficiary(ies) and they get the money.Only if the member had deliberately ignored dependants and left them unprovided for would the trustees ignore his wishes.