Mothers entitlement to my deceased fathers pension

molerat

Blue_Butterfly said:

I'm a widow who reached SPA in 2023 and inherited additional state pension. I didn't need to apply separately for this, it was calculated automatically from the questions asked on the online SPA application.

You get a letter telling you how much SP you will receive every 4 weeks, it was the total amount without any breakdown between my own accrual and the inherited amount. There was a sentence on the letter saying that my SP included a Protected Payment inherited from (late husbands name). My award letter took 6 weeks to arrive, whereas most people without an inherited element tend to get them in 1 week.

My inherited Protected Payment didn't appear on any SP forecasts. I was only able to work out how much I inherited because I knew how much I had accrued in my own right.

Does your annual increase letter break it down ?

jem16

molerat said:

Blue_Butterfly said:

I'm a widow who reached SPA in 2023 and inherited additional state pension. I didn't need to apply separately for this, it was calculated automatically from the questions asked on the online SPA application.

You get a letter telling you how much SP you will receive every 4 weeks, it was the total amount without any breakdown between my own accrual and the inherited amount. There was a sentence on the letter saying that my SP included a Protected Payment inherited from (late husbands name). My award letter took 6 weeks to arrive, whereas most people without an inherited element tend to get them in 1 week.

My inherited Protected Payment didn't appear on any SP forecasts. I was only able to work out how much I inherited because I knew how much I had accrued in my own right.

Does your annual increase letter break it down ?

Mine doesn't break it down in the annual increase. Like Blue Butterfly I only know how much as I knew what I would have from my own contributions. Only part of mine has become a Protected Payment.

Blue_Butterfly

molerat said:

Blue_Butterfly said:

I'm a widow who reached SPA in 2023 and inherited additional state pension. I didn't need to apply separately for this, it was calculated automatically from the questions asked on the online SPA application.

You get a letter telling you how much SP you will receive every 4 weeks, it was the total amount without any breakdown between my own accrual and the inherited amount. There was a sentence on the letter saying that my SP included a Protected Payment inherited from (late husbands name). My award letter took 6 weeks to arrive, whereas most people without an inherited element tend to get them in 1 week.

My inherited Protected Payment didn't appear on any SP forecasts. I was only able to work out how much I inherited because I knew how much I had accrued in my own right.

Does your annual increase letter break it down ?

My increase letter (Feb 24) just gives the percentages of the increase (SP 8.5% and PP 6.7%) with no breakdown,  and reminds me that my total SP includes a PP. Like jem16 I can work it out very easily as I accrued a full NSP in my own right.

xylophone

You did not say when your late father died.

If very recently, presumably his paperwork is still available.

As he drew his SP in the old scheme, his statement of increase in benefit for the current year 24/25 (which he would probably have received in March) would show the breakdown of his state pension.

It would show Basic State Pension, pre 97 ASP, Contracted Out Deduction (if any), post 97 ASP (if any) and any Graduated Pension.

Otherwise you could check his bank statement - anything in excess of the BSP (currently  £169.50 a week/£678 every four weeks) would  show that he was in receipt of ASP.

You can see the rates for earlier years here

https://adviser.royallondon.com/technical-central/rates-and-factors/state-pension/basic-state-pension-rates/

jonney92

xylophone said:

You did not say when your late father died.

If very recently, presumably his paperwork is still available.

As he drew his SP in the old scheme, his statement of increase in benefit for the current year 24/25 (which he would probably have received in March) would show the breakdown of his state pension.

It would show Basic State Pension, pre 97 ASP, Contracted Out Deduction (if any), post 97 ASP (if any) and any Graduated Pension.

Otherwise you could check his bank statement - anything in excess of the BSP (currently  £169.50 a week/£678 every four weeks) would  show that he was in receipt of ASP.

You can see the rates for earlier years here

https://adviser.royallondon.com/technical-central/rates-and-factors/state-pension/basic-state-pension-rates/

Sorry for the very slow reply he died October 2020

xylophone

Has your mother kept any of your late father's paperwork that would show the amount of state pension he was receiving?

He would have had a letter regarding the state pension increase in March 2020,

The Basic State Pension for 2020/1 was  £134.25 a week. He may have been paid four weekly.

Given his date of birth, he may have started work in the mid sixties - he may have had some Graduated Pension up to 1975.

He may have had some Additional State Pension (SERPS/S2P) 1978-2015 depending on contracting out or otherwise and his earnings.

For details of the entitlement to inherited pension for a widow in your mother's situation, see the link in my previous.