Wife to receive 60% of her husbands pension.

pensioner2

Not true. She will only receive 60% of the full basic pension, not the amount he receives.

jimi_man

Did you mean to post this? Is this a reply to another thread for example, as there is no context unless I’m missing something?

HumberFlyer

???.......Something similar in a February post

Grumpy_chap

Is this question related (and only related) to the state pension?
If there is a workplace pension, or a personal pension. or annuity, the outcomes can all be very different (and scheme specific).
More context would aid fuller responses.

jem16

pensioner2 said:

Not true. She will only receive 60% of the full basic pension, not the amount he receives.

Presumably you are referring to a Category B state pension where the wife does not have enough contributions of her own and can claim against her husband’s National Insurance Record. This would entitle the wife to a pension which is 60% of her husband’s Basic State Pension. 

molerat

The answer was given in that earlier thread

pensioner2

Still appears to be people who do not understand the difference between 60% of full state pension and 60% of her husbands state pension, which may be much higher.  It would be good to receive an answer.

molerat

pensioner2 said:

Still appears to be people who do not understand the difference between 60% of full state pension and 60% of her husbands state pension, which may be much higher.  It would be good to receive an answer.

An answer to what ?

It is 60% of the old basic state pension as you commented yourself.

Using the term "full basic pension" just confuses things.

xylophone

Still appears to be people who do not understand the difference between 60% of full state pension and 60% of her husbands state pension, which may be much higher.  It would be good to receive an answer.

Perhaps we don't understand the question?

Pre 6/4/2016, the State Pension could comprise Category A Basic State Pension and Additional State Pension.

The ASP would have been accrued through Graduated Pension, State Earnings Related Pension and State Second Pension.

It was accepted that  a married woman (Dependant) could well spend many years out of the labour market and so could reach

 retirement age with entitlement to  only a very low state pension or even no entitlement.

It was largely the case that the husband (Contributor) would spend long enough in the labour market to accrue at least a Full Cat

 A Basic State Pension.

it was possible for a married woman to claim a Cat B state pension when her husband reached SPA.

See https://assets.publishing.service.gov.uk/media/5a758e27e5274a6faebebd94/derived-inherited-entitlement.pdf

Category B(L) pension for married persons or civil partners:

• Basic State Pension only, payable at a maximum of around 60% of the Contributor’s basic category A pension (£64.40 per week in 2012/13).

• Entitlement arises once both members have reached SPa, provided that they are married / in a civil partnership.

• Dependant can combine their own Cat A pension with a Cat B pension to increase their own pension up to the full rate of Cat B(L) pension. 

If a woman was widowed and at that point receiving only a Cat B pension, she could put in a claim to substitute her husband's Cat A

 record for her own (and thus potentially receive a Full Basic Cat A ).

As well as that, she could inherit   either all or part of her late spouse's Additional State pension.

• Amount of inheritable additional State Pension is dependant on when the Contributor died: For deaths after October 2002; 50% of the Contributor’s SERPS and S2P is  inheritable. 

The link above is a solid read explaining as it does the situation under old and new state pension regimes.

There is an Annexe (P21 onwards) which gives a summary of the pre  6 April 2016 system.

jem16

pensioner2 said:

Still appears to be people who do not understand the difference between 60% of full state pension and 60% of her husbands state pension, which may be much higher.  It would be good to receive an answer.

A full state pension can actually be up to £330pw. The Category B pension has always been 60% of the Basic State Pension and you have been given that answer months ago. Perhaps it is you who doesn't want to understand it.

jimi_man

pensioner2 said:

Still appears to be people who do not understand the difference between 60% of full state pension and 60% of her husbands state pension, which may be much higher.  It would be good to receive an answer.

The thread title and your first post did not mention State Pension and in fact did not even contain a question at all, hence why answers are not forthcoming. 

When you want an answer to something it’s generally best to provide some context and some information to enable people to assist.