NHS and State Pension after Retirement. Spouse Dies What Happens to Pension

Hoenir

Iiyama said:

Thanks everyone. It has helped with our understanding. It does appear that the surviving spouse under the 1995 scheme would get 50% of the pension.

Speed matters up if a nomination form is lodged for both of you.  

Nebulous2

Hoenir said:

Iiyama said:

Thanks everyone. It has helped with our understanding. It does appear that the surviving spouse under the 1995 scheme would get 50% of the pension.

Speed matters up if a nomination form is lodged for both of you.  

My LGPS specifies that a nomination form should not be submitted if  I am married. 

Silvertabby

Nebulous2 said:

Hoenir said:

Iiyama said:

Thanks everyone. It has helped with our understanding. It does appear that the surviving spouse under the 1995 scheme would get 50% of the pension.

Speed matters up if a nomination form is lodged for both of you.  

My LGPS specifies that a nomination form should not be submitted if  I am married. 

The nomination/expression of wish form is only for the one-off death grant, not the survivor's pension.  The death grant/pension guarantee only applies if the fund member dies either before retirement or within 5/10 years of starting to draw pension benefits.  

If there is no nomination form, and if the member was married as at the date of death, then any death grant due would indeed normally be paid to the spouse.  But if you want to nominate anyone else (children/local cat's home) then you'll need to complete a nomination/expression of wishes form.

Spouses/partners/children's pensions are only paid to those eligible to receive them, so member nomination forms are not required.

hyubh

Hoenir said:

Iiyama said:

Thanks everyone. It has helped with our understanding. It does appear that the surviving spouse under the 1995 scheme would get 50% of the pension.

Speed matters up if a nomination form is lodged for both of you.  

Surely that's for a different thing...? (Death grant vs. survivor pension)

Flugelhorn

we sent copy of marriage cert when applying for our NHS pensions and are named as dependent on the paperwork we received 

DeadlyD

So does that mean that the surviving spouse receives 50% DB pension for life following death of either?  

Flugelhorn

DeadlyD said:

So does that mean that the surviving spouse receives 50% DB pension for life following death of either?  

that would depend on which NHS scheme they  were in 

maxfacs62

Interestingly from what I understand the survivors pension in 1995 scheme is 50% of the unreduced pension even if you have taken less pension and the maximum lump sum.

Marcon

maxfacs62 said:

Interestingly from what I understand the survivors pension in 1995 scheme is 50% of the unreduced pension even if you have taken less pension and the maximum lump sum.

That's the norm in pension schemes, because the member is only commuting (exchanging pension for tax free cash) their own pension.

Survivor benefits aren't affected - the exceptions being where the whole pension is commuted on grounds of 'triviality', or the member receives a 'small winding up lump sum' in which case no further benefits are payable.