Can you lose state pension?

Ganga

Looking for some help with a question,i am 68 years old,was 65 in 2015 and took 12 months state pension as a lump sum then re-defered my state pension.
My wife asked me what happenes if something happens to me,i assume she means if i suddenly snuff it:rotfl:,i told her i cannot lose my state pension and she would "inherit it "i died.

Is that true? i do not intend to snuff it in the near future but would hate to see any money dissapear.:eek:

molerat

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

kidmugsy

How old is she?

Ganga

kidmugsy wrote: »

How old is she?

She was 65 in March and draws her state pension.

Dox

Ganga wrote: »

Looking for some help with a question,i am 68 years old,was 65 in 2015 and took 12 months state pension as a lump sum then re-defered my state pension.
My wife asked me what happenes if something happens to me,i assume she means if i suddenly snuff it:rotfl:,i told her i cannot lose my state pension and she would "inherit it "i died.

Is that true? i do not intend to snuff it in the near future but would hate to see any money dissapear.:eek:

Why tell her something if you didn't know it was true? Suggest she (and you!) read the link given in the first answer.

Ganga

Dox wrote: »

Why tell her something if you didn't know it was true? Suggest she (and you!) read the link given in the first answer.

I was pretty sure you could not lose it,and as it works out i was right:)

bompey

Are you sure about that?

[Deleted User]

Hello Ganga,
I suggest you do some more research re loss/inherit State Pension upon death. As you will be aware, it is a very important issue and you really need to be clear of the facts regarding your and your spouses position. Please double check your understandings.
Regards,
mrwmartin

atush

You cant lose your own state pension.

What you can do is, inherit the second SP or s2p of your spouse (at around 50%). you MIGHT be able to up your SP to full contribution if you dont have the full SP depending on your and your spouses age (ie in t his case perhaps). Those who are younger, then no you can't get up to full contributions on a spouses record but again you can inherit a part of their second state pension perhaps.

Details matter in all cases during this transtitional period.

If you have deffered your SP, a spouse can inherit the defrred amount.

badmemory

Remember the answers may well be different depending on whether your normal state pension age was before or after 6th April 2016.

Dox

Ganga wrote: »

I was pretty sure you could not lose it,and as it works out i was right:)

Really? I'd have another look if I were you.