Surving Spouse Pension

lansdaleb

I am a sngle, divorced and retired teacher. Currently I cannot nominate anyone for my surviving spouse pension. I am thinking of having a Civil Partnership with my platonic friend who is also a retired teacher. We would then nominate each other as partners for the surviving spouse pension. Any advice or ideas? We both have adult children, but are divorced with no partners.

DE_612183

If it's like the civil service can you not do a "Partnership declaration form" rather than going the whole hog and entering into a Civil Partnership.

If you do enter into a CP - would you also need to get a pre-nup in case you fall out in the future?

lansdaleb

I am a single, divorced and retired teacher. Currently I cannot nominate anyone for my surviving spouse pension. I am thinking of having a Civil Partnership with my platonic friend who is also a retired teacher. We would then nominate each other as partners for the surviving spouse pension. Any advice or ideas? We both have adult children, but are divorced with no partner

lincroft1710

There is no obligation to nominate someone for a surviving spouse pension. There must be many divorced/single retirees in the same position

DE_612183

https://forums.moneysavingexpert.com/discussion/comment/81902430#Comment_81902430

I presume what they don't want to do is lose the money they have paid in, rather have it go to a friend than back into the pot.

TadleyBaggie

Duplicate thread:

https://forums.moneysavingexpert.com/discussion/6657259/surving-spouse-pension

MyRealNameToo

https://forums.moneysavingexpert.com/discussion/6657259/surving-spouse-pension

Is yours spouse at date of death or date of "retirement"?

Assuming it's the former then thats fine but remember they will be your legal spouse for all other considerations too. So, for a random examples, were your will unable to be located they may inherit your whole estate as the spouse of an intestate person, similarly if you were incapacitated and havent either given someone power of attorney or nominated a next of kin then their advices may be sort on if to give you medical treatment etc.

Misslayed

It’s some time ago now, but after my first husband died in 2008 I nominated my (step) son to receive my death in service benefits. Might be possible to nominate offspring to receive surviving spouse pension?

Keep_pedalling

Do you actually live together? If you don’t I think the trustees of the scene will look very closely at what seems to be a contrived set up.

MyRealNameToo

https://forums.moneysavingexpert.com/discussion/comment/81902468#Comment_81902468

Totally different thing as DiS will be paid to the estate if no one is nominated etc and is a fixed lump. Spouse benefits are totally different, it will payout for the rest of their life unless there was no spouse in which case only any remaining guarantee will payout.

Some pensions will payout a dependents pension, if there is a child under 18 but that only pays out until they are circa 21. Some will payout for life if the child has major disabilities and isnt realistically ever going to be able to work.

You can't marry or enter a civil partnership with your offspring so no way to get them a spouses pension.