NHS pension - expression of wishes form

System

This discussion was created from comments split from: Money Moral Dilemma: Is it fair to ask my daughter to repay the money I gave her and her ex-husband?.

Vaja

I worked for National Health Service for 45 years and they are now refusing to give me expression of wish from my pension to pass it on to my daughters why is this possible? (Removed by Forum Team)

MSE_ForumTeam5

Hi @Vaja we've moved your post to the part of the forum that deals with pension issues. Please take care not to share any personal details (names etc) when posting.

DRS1

What exactly are you hoping to pass on to your daughter? Is there a lump sum payable when you die? Or do you want her to get some sort of pension?

Andy_L

Your NHS pension automatically goes (at a reduced rate) to your spouse, civil partner or (non-adult) children

You only need to nominate a pension recipient if you want to leave it to an unmarried partner, but that nomination can only be to a partner & they will want to see evidence of partnership

Adult children have no claim to your pension unless, IIRC, they are disabled enough to count as a dependant.

There is a death in service/death in the first 5(?) years of retirement lump sum that you can nominate your daughters to receive.

Marcon

https://forums.moneysavingexpert.com/discussion/comment/82159325#Comment_82159325

If you're trying to do something which isn't allowed under the rules, that will be why. Have a look at the information on the scheme's website, which summarises what the rules of the scheme do and don't permit in terms of 'passing on' an NHS scheme pension. You need to read beyond the (very misleading!) opening sentence on that link, which says : 'You can choose who you'd like to receive your NHS Pension benefits after you die'. There are strict limits and restrictions on that 'choice', as you'll see:

https://www.nhsbsa.nhs.uk/member-hub/nominations