Death in 40’s - can my wife claim state pension?

Bartoni79

Hi,
I'm in my 40’s… if I die (before say 50) can my wife claim the money I’ve accrued in my state pension?

thanks!

gwynlas

That is not the way that the state pension works you do not have an individual pot your wife should be entitled to a pension on her own contribuutions.

Marcon

Bartoni79 said:

Hi,
I'm in my 40’s… if I die (before say 50) can my wife claim the money I’ve accrued in my state pension?

thanks!

For info about inheriting state pension, see https://www.gov.uk/new-state-pension/inheriting-or-increasing-state-pension-from-a-spouse-or-civil-partner

Bartoni79

Marcon said:

Bartoni79 said:

Hi,
I'm in my 40’s… if I die (before say 50) can my wife claim the money I’ve accrued in my state pension?

thanks!

For info about inheriting state pension, see https://www.gov.uk/new-state-pension/inheriting-or-increasing-state-pension-from-a-spouse-or-civil-partner

Hi, I looked at the link but it seems to refer to couples married before 2016. I married after 2016.

Silvertabby

Assuming your wife is of a similar age to you, her State pension entitlement will be based on her own accruals and she won't inherit any of yours.

Is she working/paying NI, or is she in receipt of NI credits via other means?  

Bartoni79

Hi, yes she is accruing but has missed quite a few years due to working abroad. Can I transfer any of mine to her? Thanks 

molerat

Bartoni79 said:

Hi, yes she is accruing but has missed quite a few years due to working abroad. Can I transfer any of mine to her? Thanks 

No.  Both being post 2016 retirees the only thing she could inherit would be half of any protected payment, the amount above the full new pension, which would have been achieved prior to 2016 so would not be applicable to you.

She needs to get a forecast and find what she needs to do to get to the max, it will clearly state how many more years are needed.

xylophone

See

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

 in particular page 15, bearing in mind that NSP started 6 April 2016.

Can I transfer any of mine to her? 

No, this is not possible.

Have both you and your wife obtained State Pension Forecasts?

https://www.gov.uk/check-state-pension

What is shown at "estimate to 5/4/23"?

squirrelpie

Bartoni79 said:

Hi, yes she is accruing but has missed quite a few years due to working abroad. Can I transfer any of mine to her? Thanks 

You can't transfer anything to her. People are treated as separate individuals in the new rules. What she should be doing is investigating the rules and treaties between here and wherever she's been working. Many countries have arrangements to consider social security-type taxation made in another country but the arrangements vary a lot depending on exact circumstances. So you'll need to find exact details.

LHW99

She would be able to buy back missing years if it would help her. However, if she has time before SP age and is likely to work and pay NI over those years (or receive credits from eg claiming child benefit or other) then she may not need to do anything else.