joint pension

pistelman

hi, im finally sorting out my financial future

currently building a budget for my retirement

my question : me and my partner are not married or financially connected so will we both get the full gov pension or the married couple pension between us.

marlot

You both get the state pension in line with your individual contributions.


You can check it here: https://www.gov.uk/check-state-pension

atush

Have you filled out expressions of wishes? So that you each will inherit the others pension? Are either of you drawing a DB pension?

McKneff

There is no such thing as a married couples pension. Every single person gets a pension in their own right .

xylophone

There is no such thing as a married couples pension. Every single person gets a pension in their own right .

Under the old state pension system, it was possible for a married woman to claim a Cat B state pension based on her husband's contributions but it was paid to her individually, not to her spouse.

There used to be an "adult dependant addition" which could be claimed in certain circumstances.

https://www.nidirect.gov.uk/articles/understanding-basic-state-pension

badmemory

As already said - you should both check your state pension forecasts & see if either of you need any action AT THIS TIME. If it shows a shortfall in contributions it may be that this can be made up naturally in the course of time without any additional payments.



Also if you are not married especially (or even if you are) it may be as well to check how each of you will survive on your own remaining funds if the other dies first.