Is a widow entitled to deceased husband’s pension?

While she was a housewife the husband had a successful business and was also an employee for 25-30 years. His NI contributions must have been quite substantial. She receives the basic state pension. He passed away over 10 years ago. 

Comments

  • xylophone
    xylophone Posts: 45,543 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    https://assets.publishing.service.gov.uk/media/5a758e27e5274a6faebebd94/derived-inherited-entitlement.pdf

    The widow reached SPA pre 6/4/16?

    And her late spouse?

    Scenarios (examples) for transition from old to new system from page 8.

    Annex A 

    Overview of the current system of derived entitlement to State Pension

    from page 20


  • jem16
    jem16 Posts: 19,545 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Assuming you’re referring to the state pension, then all that is inheritable is any Additional Pension from the earnings related schemes of GrB/SERPS and S2P. If the housewife reached State Pension Age prior to 6th April 2016 and received less than the full Basic State Pension then she could have had an uplift based on her hsuband’s NI Record. However she has that already.
  • Linton
    Linton Posts: 18,052 Forumite
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    edited 22 October 2024 at 9:43AM
    How much, if snything a widow can get a pension from a deceased husband's State Pension depends very much on the dates and circumstances:

    Had he reached State Pension age when he died?
    Did she reach SP age before April 2016:?


  • Marcon
    Marcon Posts: 13,772 Forumite
    Eighth Anniversary 10,000 Posts Name Dropper Combo Breaker
    edited 22 October 2024 at 12:01PM
    zedplace said:
    While she was a housewife the husband had a successful business and was also an employee for 25-30 years. His NI contributions must have been quite substantial. She receives the basic state pension. He passed away over 10 years ago. 
    Seems to be the same question you asked a year ago, with responses which are still valid today: https://forums.moneysavingexpert.com/discussion/6470842/is-my-mum-receiving-the-correct-amount-in-pension#latest

    Has your mother checked if her husband had a workplace pension (not clear if he has always had his own business, or been an employee somewhere else?) and whether she is entitled to anything from that?
    Googling on your question might have been both quicker and easier, if you're only after simple facts rather than opinions!  
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