State pension - 'protected payment '

housebuyer143

Can someone explain to me what this is and how much gets transferred to my mum now my dad has died. 

Context - we called to cancel mi dads pension as he died and they woman mentioned his pension would be transferred to my mum when she retired. Now that doesn't appear to be a thing as my dad only started drawing his pension in 2021, but her getting half the protected payments is.

I can't find out any info on what that actually is. I could call DWP back, but I do don't want to 🤣 so if anyone can help that would be great 

eskbanker

https://www.gov.uk/new-state-pension/inheriting-or-increasing-state-pension-from-a-spouse-or-civil-partner, and links from there, explain....

molerat

The protected payment is any amount above the full new pension amount so anything above £221.20 pw / £884.80 per 4 weeks.  The 50% of that amount will be automatically added to her pension when she retires, one of the questions asked when claiming the pension is spouse details so please make sure your father's NI details are kept for that reference.

housebuyer143

molerat said:

The protected payment is any amount above the full new pension amount so anything above £221.20 pw / £884.80 per 4 weeks.  The 50% of that amount will be automatically added to her pension when she retires, one of the questions asked when claiming the pension is spouse details so please make sure your father's NI details are kept for that reference.

I didn't think he was getting more than £221 a week anyway so it's news to me if he was. 
When my mum is in a better way I'll dig this info out and give it a look. I don't imagine she will be getting much added to hers.

Thanks for your help.

housebuyer143

eskbanker said:

https://www.gov.uk/new-state-pension/inheriting-or-increasing-state-pension-from-a-spouse-or-civil-partner, and links from there, explain....

They really don't. You click on the protected payment link and you definitely don't get a clear answer on what it is.

xylophone

Do you mean that your late father reached State Pension Age in 2021 and immediately commenced drawing his state pension?

Your mother has not yet reached State Pension Age?

Your late father should have received a letter from DWP back in  March (or thereabouts) giving details of  the amount of his state pension.

When you can, ask your mother if the letter is among his papers.

Iff a protected payment is shown, she should inherit half at  her state pension age.


See  page 15 here, bearing in mind that the NSP was actually introduced 6/4/16 at £155.65 a week.  Anybody who was entitled to

more than that amount at that time would have a "protected payment"  - this would increase each year by CPI.

The full NSP amount increased under the 'triple lock".

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