Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • loulou41
    • By loulou41 5th Dec 17, 9:30 AM
    • 2,696Posts
    • 179Thanks
    loulou41
    NHS pensions
    • #1
    • 5th Dec 17, 9:30 AM
    NHS pensions 5th Dec 17 at 9:30 AM
    We both received NHS pensions we joined in 1967. I always assume I will get my husband's 50% when he dies. My friend told me my husband will only get about a third of my pension . Are there different rules for widow and widower. Thanks
Page 1
    • Andy L
    • By Andy L 5th Dec 17, 9:35 AM
    • 8,862 Posts
    • 7,299 Thanks
    Andy L
    • #2
    • 5th Dec 17, 9:35 AM
    • #2
    • 5th Dec 17, 9:35 AM
    The 1995 (and earlier?) scheme provides for a 50% survivors pension. The newer schemes a 37.5% - 33.75% pension, which is close enough to a 1/3rd to be what you friend is refering to.

    https://www.nhsbsa.nhs.uk/member-hub/family-and-your-pension
    • Silvertabby
    • By Silvertabby 5th Dec 17, 10:08 AM
    • 2,745 Posts
    • 3,926 Thanks
    Silvertabby
    • #3
    • 5th Dec 17, 10:08 AM
    • #3
    • 5th Dec 17, 10:08 AM
    There ARE different rules for widowers pensions, especially relating to pre 1988 service and post retirement marriages.

    The rules are complex, so you need to look at the scheme booklet (available on line) to see what applies to you.
    • woolly_wombat
    • By woolly_wombat 5th Dec 17, 10:43 AM
    • 524 Posts
    • 333 Thanks
    woolly_wombat
    • #4
    • 5th Dec 17, 10:43 AM
    • #4
    • 5th Dec 17, 10:43 AM
    You might find the following 'Review of Survivor Benefits in Occupational Pension Schemes' of interest:

    https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/323874/survivor-benefits-in-occupational-pension-schemes.pdf

    Specifically, paragraphs 2.11 - 2.16:

    Survivor benefits for opposite sex spouses
    2.11 Eligibility for survivor pensions has changed over time. Provision of survivor pensions for females who survive their male spouse developed much earlier than provision for males who survive their female spouse. In the post war period many schemes began to provide survivor benefits for women who survived their male spouse. However, survivor pensions for men who survived their female spouse were not routinely provided until much later.......etc etc
    • stoozie1
    • By stoozie1 6th Dec 17, 8:42 AM
    • 549 Posts
    • 485 Thanks
    stoozie1
    • #5
    • 6th Dec 17, 8:42 AM
    • #5
    • 6th Dec 17, 8:42 AM
    Loulou41 your total reward statement online updated to April 17 will show a pension value your spouse will receive annually in the event you go first.
    • loulou41
    • By loulou41 8th Dec 17, 8:42 PM
    • 2,696 Posts
    • 179 Thanks
    loulou41
    • #6
    • 8th Dec 17, 8:42 PM
    • #6
    • 8th Dec 17, 8:42 PM
    Loulou41 your total reward statement online updated to April 17 will show a pension value your spouse will receive annually in the event you go first.
    Originally posted by stoozie1
    Where do I find this? I have retired 12 yrs ago. Thanks
    • TARDIS
    • By TARDIS 8th Dec 17, 8:54 PM
    • 109 Posts
    • 79 Thanks
    TARDIS
    • #7
    • 8th Dec 17, 8:54 PM
    • #7
    • 8th Dec 17, 8:54 PM
    https://www.totalrewardstatements.nhs.uk
    • loulou41
    • By loulou41 9th Dec 17, 9:07 AM
    • 2,696 Posts
    • 179 Thanks
    loulou41
    • #8
    • 9th Dec 17, 9:07 AM
    • #8
    • 9th Dec 17, 9:07 AM
    Thanks according to the leaflet I got when I retired widower's pension will be half from 1988. I started to contribute from 1980 so my understanding is he will only get half of my NHS pension contributions from 1988. If I am a widow I will get half of his. Different rules seem to apply.
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

3,101Posts Today

6,762Users online

Martin's Twitter
  • It's the start of mini MSE's half term. In order to be the best daddy possible, Im stopping work and going off line? https://t.co/kwjvtd75YU

  • RT @shellsince1982: @MartinSLewis thanx to your email I have just saved myself £222 by taking a SIM only deal for £7.50 a month and keeping?

  • Today's Friday twitter poll: An important question, building on yesterday's important discussions: Which is the best bit of the pizza...

  • Follow Martin