Pension Payments after Death

McKneff

In still of 2 minds, I know its not inherited but some parts of it is. 
And the op had no idea what DB and DC meant. 
Perhaps she could clarify

calcotti

elouise01582 said:

The state pension is not inheritable so it sounds to me like the OP was referring to a defined benefit pension and not the state pension or a personal/private pension.

Elements of the old Basic State Pension could give rise to an inheritable entitlement. The new State Pension does not.

Off tangent but Bereavement Support Payment (a benefit for working age survivors) is only payable to those who are married or in a civil partnership (although it is going to be extended to surviving partners with children).

xylophone

The state pension is not inheritable 

See

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

tonynw

McKneff said:

In still of 2 minds, I know its not inherited but some parts of it is. 
And the op had no idea what DB and DC meant. 
Perhaps she could clarify

i am talking about private pensions.

Dazed_and_C0nfused

tonynw said:

McKneff said:

In still of 2 minds, I know its not inherited but some parts of it is. 
And the op had no idea what DB and DC meant. 
Perhaps she could clarify

i am talking about private pensions.

Did you buy an annuity?

Silvertabby

Dazed_and_C0nfused said:

tonynw said:

McKneff said:

In still of 2 minds, I know its not inherited but some parts of it is. 
And the op had no idea what DB and DC meant. 
Perhaps she could clarify

i am talking about private pensions.

Did you buy an annuity?

Unlikely to be an annuity.  If it were, OP would have been given the option of buying an annuity with spouse's benefits, or a single life annuity at a higher rate.

NlghtOwl

If pension rules (and other inheritance situations) just accepted cohabiting couples, could you imagine the complications and arguments. Who would decide if 3months, or 10 years of living together should count. There are mechanisms for showing a combined couple status with marriage or civil partnership.

Important also to organise wills, power of attorney and to complete beneficiary forms to make wishes known.

Tommyjw

NlghtOwl said:

If pension rules (and other inheritance situations) just accepted cohabiting couples, could you imagine the complications and arguments. Who would decide if 3months, or 10 years of living together should count. There are mechanisms for showing a combined couple status with marriage or civil partnership.

Important also to organise wills, power of attorney and to complete beneficiary forms to make wishes known.

Well many do and the people who decide are the Trustees, who likely have a guideline they follow behind the scenes. They have ultimate power to decide that in theory could only be reversed by the Ombudsman in a situation where no other reasonable trustee would made the same decision, which is a high bar.