Mams pension

zzzfaye78

Thank you so much for your advice. My mother wished for this money to pay towards her funeral expenses and clear her debts whilst she was alive and maybe go away with me and my brother, sadly she wishes never happened and from hearing the news about her health she deterated so quickly she was not able to see any benifit of her savings. I have phoned the BBC having read the advice given on here and they are going to phone me back and maybe they can explain what will happen next. I am so angry there was such a delay with paperwork on the doctor's side and BBC, I realise there is a procedure but my mam had been going to this doctors for over a year complaning about her breathing and all through the summer she was told she had pollen on the lung...... I cannot talk about this as it makes me angry and sad, but again i really appreciate all your helpful advice and as i cannot understand or get my head around anything in my life right now.

kidmugsy

zzzfaye78 wrote: »

i cannot understand or get my head around anything in my life right now.

That's a normal response to grief. Best wishes.

xylophone

I realise there is a procedure but my mam had been going to this doctors for over a year complaining about her breathing

I feel for you - a relation of mine was told for weeks that he had pleurisy - he collapsed and died from heart failure - we learned afterwards that all the symptoms of which he was complaining were typical of the disease but had gone unrecognised.

Anger and incomprehension are stages of grief and although you can't see an end at the time, they will pass.

I hope that the Trustees will take a compassionate view of the circumstances.

Rodders53

My condolences to the family at such an upsetting time.

I wonder if the BBC Pension was, in fact, just under £30k and when the other "£4k" pension was added they totalled just over £34k?

OP needs to search and gather all Mum's correspondence with BBC Pensions (plus anything that can be found regarding her BBC employment). This may clear up some misunderstandings?

How did BBC contact Mum when she'd forgotten about this deferred pension (never moved since BBC service = annual letters from BBC about the deferred pension so she would have known.) BBC apparently unaware of dependent children, and no expression of wishes form lodged? Maybe BBC service was over 25 years ago, and no children when she left BBC?

BBC Pension Trustees should pay (up to) five years of the pension payable to Mum to the children (son & daughter?), free of IHT. As none are under 18 that is simple enough.

The option for a pension for the 18 year old son while in full time education for up to 5 years cf the (nearly) five year full pension lump sum, may not be as attractive (even allowing for RPI inflation)? {Note: to me, it reads as one or the other, not both; although BBC Pensions Trustees will often be as generous as possible, within the rules.}

OP may also need to visit the Deaths, Funerals and Probate board for advice and help in dealing with Mum's estate (debts etc.,.)
https://forums.moneysavingexpert.com/forumdisplay.php?f=217

xylophone

wonder if the BBC Pension was, in fact, just under £30k and when the other "£4k" pension was added they totalled just over £34k?

It would seem not.

I'll try to make a long story short, my mother turned 60 in June she had 2 pensions one was worth £4000 and another was worth £34000. The pension provider of £4000 got in touch 1st and because the amount was small she could take the whole pension in one lump sum of £4000 which she did. Then a few weeks later she got another pension letter from the £34000 pension fund which she was unaware she had,