State pension

Mousey66

Hi, 
My husband passed away almost 5 weeks ago. He was 59 so hadn’t reached state pension age. A member of my family thinks that I can claim part of his state pension, I’m 57 so also below state pension age. I have searched on the direct gov site for information regarding this but can only find anything relevant if we had both reached state pension age before he died.
So I’m struggling to find anything about my situation, and as I’m obviously very upset from losing him don’t want to spend time pursuing something if theres no point.
Can anyone offer me advice about this please?
Thank you.

jem16

You may be able to claim a percentage of his Protected Payment if he had one. The Protected Payment is the amount above the full new state pension which is currently £221.20pw. You won’t be able to claim this until you reach SPA yourself. 

What you can claim now is Bereavement Support. 

https://www.gov.uk/bereavement-support-payment

xylophone

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

See page 15 of above bearing in mind that Single Tier was introduced 6/4/16.


https://www.gov.uk/bereavement-support-payment/eligibility

Mousey66

Thank you for replying. I have claimed the bereavement payment which helped towards funeral costs. I have no idea if he had the protected payment? He was self employed until around 5 years ago, so paid his contributions annually. Then he was PAYE, so his employer would of paid his contributions, thats as much as I know.

Mousey66

xylophone said:

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

See page 15 of above bearing in mind that Single Tier was introduced 6/4/16.


https://www.gov.uk/bereavement-support-payment/eligibility

We lived together 11 and half years and got married last year. So would that mean I wouldn’t be able to claim any of the contributions my husband had paid in? 

xylophone

Your late husband would have had a "protected payment" if at 6/4/16, his "starting amount" for SP was higher than a Full New State

Pension  ( £155.65 at that time).

The starting amount was the higher of

Old Rules

National Insurance Qualifying Years/30 (max) x £119.30 + ( Additional State Pension - (if applicable) Deduction for Contracting Out of

ASP)

New Rules

(NIQY/35 (max) x £155.65) - (if applicable) Contracted Out Pension Equivalent.

You do not mention that your late spouse ever obtained a State Pension Forecast (which would have shown his position regarding any

PP).

It may be that the Future Pension Centre could assist?

https://www.gov.uk/future-pension-centre

FIREmenow

Mousey66 said:

xylophone said:

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

See page 15 of above bearing in mind that Single Tier was introduced 6/4/16.


https://www.gov.uk/bereavement-support-payment/eligibility

We lived together 11 and half years and got married last year. So would that mean I wouldn’t be able to claim any of the contributions my husband had paid in? 

The document you linked seems to indicate that the protected payment can't be inherited as they were married quite recently @xylophone

molerat

You mean this bit

46.
Inheritance of the Protected Payment amount is conditional on the marriage or civil partnership having been existant prior to the introduction of single tier. In cases where a marriage is formed after the introduction of single tier, and where the Contributor has a Protected Payment, there will be no provisions for the Dependant to inherit the Protected Payment.

xylophone

The document you linked seems to indicate that the protected payment can't be inherited as they were married quite recently @xylophone

 Thank you, yes - You are quite right - see Molerat's post above.

xylophone

OP, just a thought, you can check your own forecast here

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