Widows Pension from 1998 at age 40, now 61, what happens to my pension?

word-soup

Widows Pension from 1998 at age 40, now 61, what happens to my pension at 66?

I received Widows Mother's Pension, which became Widowed Parent's Allowance, and now my children are all grown up Widows Pension. This pension is more than normal due to the contracted out portion.

My question is, what happens to this when I reach the age of 66.

Thank you.

Marcon

Pension Service will be able to help: https://www.gov.uk/contact-pension-service

xylophone

Have you obtained a state pension statement?

https://www.gov.uk/check-state-pension

See below for 1998.

RESEARCH PAPER 98/95
30 OCTOBER 1998
Widows' Benefits





The National Insurance system provides three main kinds of benefit for widows under 60:

• A lump sum Widow's Payment of £1,000 is paid on bereavement.

• A Widowed Mother's Allowance (WMA) is paid to widows with dependent children or those who are pregnant. The widow receives £64.70 for herself, £9.90 for the eldest eligible child and £11.30 for each other child.



• A Widow's Pension is paid to widows without dependent children.

The Widow's Pension is paid at the full rate if the widow was at least 55 when she was widowed (or when her WMA ran out because her children ceased to be dependent). This is currently £64.70.

A reduced age-related Widow's Pension is paid if the woman was aged between 45 and 54 when she was widowed (or when her WMA ceased). The rate depends on the age on bereavement, ranging from £19.41 for those widowed at 45 to £60.17 for those widowed at 54.1 All of these benefits depend on the National Insurance record of the late husband. A record which does not fulfil the conditions will result in lower awards, or no award.

Widow's Pension and Widowed Mother's Allowance can all be enhanced if the late husband had entitlement under the State Earnings Related Pension Scheme (SERPS)





Since 1998, changes to SPA have increased your SPA and the new state pension has been introduced.


See

https://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/181235/derived-inherited-entitlement.pdf

word-soup

Thank you, this is complicted I know because there have been so many changes to pension policy since my husband died. I get a very fair pension and hope it continues.

It will take me some time to go through the documentation you found on my behalf, it looks very thorough at first glance. I think the answers are in there.

I do everything online, so can check pension status etc.

I pay tax, I can work, although I am self-employed. Having this type of pension means I am not entitled to ESA if I am out of work, it is not means tested, it is fully taxable as a pension, it means I am not entitled to certain things as with a normal retirement pension. All in all, it is complicated, and not very many people understand it. I too struggle at times.

So thank you Xylopone for the research on my behalf, I appreciate it.

xylophone wrote: »

Have you obtained a state pension statement?


See below for 1998.

RESEARCH PAPER 98/95
30 OCTOBER 1998
Widows' Benefits





The National Insurance system provides three main kinds of benefit for widows under 60:

• A lump sum Widow's Payment of £1,000 is paid on bereavement.

• A Widowed Mother's Allowance (WMA) is paid to widows with dependent children or those who are pregnant. The widow receives £64.70 for herself, £9.90 for the eldest eligible child and £11.30 for each other child.



• A Widow's Pension is paid to widows without dependent children.

The Widow's Pension is paid at the full rate if the widow was at least 55 when she was widowed (or when her WMA ran out because her children ceased to be dependent). This is currently £64.70.

A reduced age-related Widow's Pension is paid if the woman was aged between 45 and 54 when she was widowed (or when her WMA ceased). The rate depends on the age on bereavement, ranging from £19.41 for those widowed at 45 to £60.17 for those widowed at 54.1 All of these benefits depend on the National Insurance record of the late husband. A record which does not fulfil the conditions will result in lower awards, or no award.

Widow's Pension and Widowed Mother's Allowance can all be enhanced if the late husband had entitlement under the State Earnings Related Pension Scheme (SERPS)





Since 1998, changes to SPA have increased your SPA and the new state pension has been introduced.


See