Father deacesed but not entitled to personal pension

Number75

Do I read your last sentence correctly, that you think the money that is agreed to go to your child sibling (I’m guessing half sibling here) should be split 4 ways?

Just because the 16 year old wasn’t living with your father, does not mean they were not his dependent. Are you sure that your father wouldn’t have thought it perfectly fair that a child was supported, but that a 36 year old should be able to support themselves?

I understand that you would be disappointed not to all receive something, but I’m surprised you think it’s unfair that where only one person does, it’s because that person is a child.

xylophone

This really does not sound like a personal/private pension but rather more like an occupational defined benefit scheme.

Was your father an active member of the scheme at the date of death?

Is there a widow?

https://www.pensionsadvisoryservice.org.uk/about-pensions/saving-into-a-pension/dependants-benefits

Kynthia

This sounds like a workplace DB pension as everyone has said. Unless you specify exactly the type of pension and who it is with I don't think anyone can help any further.

coyrls

The likely answer to your question "can we contest this decision?" is no.

brewerdave

Reading between the lines of the OP - the wife /mother is not mentioned, so it seems a reasonable assumption that the 16 year old was living with her, and that she had given up the right to a widow's pension in some sort of divorce arrangement? This would lead to the "dependent" children clause being enacted.

Dox

dibblersan wrote: »

there's no such product as a 'private pension' all that means is that he organised it himself, not through an employer.

Not quite. A private pension normally refers to any non-state pension, so covers occupational and personal pensions.

dibblersan

Dox wrote: »

Not quite. A private pension normally refers to any non-state pension, so covers occupational and personal pensions.

MSE_Guide wrote:

Aside from the state pension from the Government, there are two different types of pension; a private pension and an employer pension. A SIPP falls under a private pension, as it's something you set up yourself.

https://www.moneysavingexpert.com/savings/cheap-sipps/

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dunstonh

dibblersan wrote: »

https://www.moneysavingexpert.com/savings/cheap-sipps/

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MSE is not a financial site. So, you cannot expect high levels of technical accuracy. It has been admitted in the past that they dumb down and simplify at times to keep articles short and simple even if it means it is technically wrong or not 100% correct all the time.

There is no product called private pension. It is something that some refer to when talking about any provision that is not state or occupational. Some people include occupational in the "private" classification and only consider state as the alternative. As it is a general term with not specific, it can be used in different ways.

Ticklemouse18

There seems to be lots of different options this "pension" could be. I am quite young myself so I am rather confused with all these different types of pensions. I think more research into this is needed to know to correct outcome. The dependant is a half sibling. My mum and dad divorced and he never remarried. I will repost once I have the correct pension scheme this was in my dad's case. Thank you for all your comments and help.

Brynsam

You will find it is a defined benefit pension scheme, run by trustees who are bound by the rules of the scheme. Ask for an extract from the rules to establish the definition of 'eligible child' (or a similar term) to be quite sure when the child's pension payable to your father's youngest will stop. Depending on the definition in the rules, it could well cover apprenticeships as well as higher education, but you need to check. That will give you the 'correct outcome'.

If your father was still employed at the time of his death, check if there was any sort of death in service payment due, which could be entirely separate from the main pension scheme.

57 is no age; I am so sorry you have all lost your father so early on in life.