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  • FIRST POST
    • jerrysimon
    • By jerrysimon 13th Feb 18, 1:27 PM
    • 278Posts
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    jerrysimon
    Spouses State Pension on Death
    • #1
    • 13th Feb 18, 1:27 PM
    Spouses State Pension on Death 13th Feb 18 at 1:27 PM
    This is something I may have over looked re provision for my wife should I die.

    At the moment I have a DB pension (currently drawing) which my wife will get half of should I die first. We both have almost full NI contributions and my wife also has a small local council pension due at 60.

    Both of us get our state pensions in 10 years time. Am I correct in that on death of either of us the surviving one will get 50% of the others state pension on top of their own ?
Page 1
    • westv
    • By westv 13th Feb 18, 1:33 PM
    • 4,503 Posts
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    westv
    • #2
    • 13th Feb 18, 1:33 PM
    • #2
    • 13th Feb 18, 1:33 PM

    Both of us get our state pensions in 10 years time. Am I correct in that on death of either of us the surviving one will get 50% of the others state pension on top of their own ?
    Originally posted by jerrysimon
    No, I think that benefit disappeared in April 16.
    • xylophone
    • By xylophone 13th Feb 18, 2:26 PM
    • 25,119 Posts
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    xylophone
    • #3
    • 13th Feb 18, 2:26 PM
    • #3
    • 13th Feb 18, 2:26 PM
    https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/181235/derived-inherited-entitlement.pdf



    Scenario 3: a. Dependant reaches SPa in single tier
    b. Contributor reaches SPa / Dies / Divorces under SPa
    in single tier




    on page 15.
    • jerrysimon
    • By jerrysimon 13th Feb 18, 2:39 PM
    • 278 Posts
    • 212 Thanks
    jerrysimon
    • #4
    • 13th Feb 18, 2:39 PM
    • #4
    • 13th Feb 18, 2:39 PM
    I think it disappeared if you were married "after 2016"

    https://www.gov.uk/additional-state-pension/inheriting

    I am still not sure after reading the link xylophone posted though
    Last edited by jerrysimon; 13-02-2018 at 3:07 PM.
    • Silvertabby
    • By Silvertabby 13th Feb 18, 3:45 PM
    • 2,519 Posts
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    Silvertabby
    • #5
    • 13th Feb 18, 3:45 PM
    • #5
    • 13th Feb 18, 3:45 PM
    I think it disappeared if you were married "after 2016"

    https://www.gov.uk/additional-state-pension/inheriting

    I am still not sure after reading the link xylophone posted though
    Originally posted by jerrysimon
    It's if you reach State pension age after 2016, which appears to be the case here.

    If it softens the blow, if the old rules still applied then each of you would have only received a percentage of any additional pension, such as SERPS/SP2 and not half of the others full State pension.
    • xylophone
    • By xylophone 13th Feb 18, 4:02 PM
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    xylophone
    • #6
    • 13th Feb 18, 4:02 PM
    • #6
    • 13th Feb 18, 4:02 PM
    Individuals in the scenario where both the Dependant and Contributor reach SPA in single tier, will not be able to derive entitlement to Category A or B pensions.

    When starting ("foundation") amounts were calculated at 6/4/16, some people's were more than the full new state pension of £155.65 (not the £144 mentioned in the link which was an estimate of what full NSP would be at introduction).

    The amount over and above the full NSP was known as a "protected payment".

    The link goes on to explain:

    A Dependant will be able to inherit 50% of the Contributorís Protected Payment. The total State Pension cap, set out in box 1 above, will also apply, such that the Dependantís total state pension (Foundation Amount plus extra pension gained through further qualifying years or protected payment plus any inherited protected payment) cannot be more than the cap.

    Inheritance of the Protected Payment amount is conditional on the marriage or civil partnership having been existent prior to the introduction of single tier. In cases where a marriage is formed after the introduction of single tier, and where the Contributor has a Protected Payment, there will be no provisions for the Dependant to inherit the Protected Payment.
    • xylophone
    • By xylophone 13th Feb 18, 4:08 PM
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    xylophone
    • #7
    • 13th Feb 18, 4:08 PM
    • #7
    • 13th Feb 18, 4:08 PM
    Another link here

    https://www.gov.uk/new-state-pension/how-its-calculated
    • margaretclare
    • By margaretclare 13th Feb 18, 4:35 PM
    • 10,095 Posts
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    margaretclare
    • #8
    • 13th Feb 18, 4:35 PM
    • #8
    • 13th Feb 18, 4:35 PM
    What happens to SERPS? It has been my understanding that that was inheritable by the survivor, depending on year of birth,
    r ic wisdom funde, śr wearū ic eald.
    Before I found wisdom, I became old.
    • Mnd
    • By Mnd 13th Feb 18, 4:37 PM
    • 468 Posts
    • 533 Thanks
    Mnd
    • #9
    • 13th Feb 18, 4:37 PM
    • #9
    • 13th Feb 18, 4:37 PM
    You are in exactly the same position as us, if my wife were to die before me I have occupational pension plus enhanced state pension
    She will have her full state pension (deferred probably ) plus part of my works pension , so we are trying to build a separate pension to cover this eventuality
    • xylophone
    • By xylophone 13th Feb 18, 4:51 PM
    • 25,119 Posts
    • 14,802 Thanks
    xylophone
    What happens to SERPS? It has been my understanding that that was inheritable by the survivor, depending on year of birth,
    https://www.gov.uk/additional-state-pension/inheriting

    The OP and his spouse both reach SPA in the new system.

    Transitional arrangements described in link in post 4.
    • margaretclare
    • By margaretclare 13th Feb 18, 5:43 PM
    • 10,095 Posts
    • 17,090 Thanks
    margaretclare
    https://www.gov.uk/additional-state-pension/inheriting

    The OP and his spouse both reach SPA in the new system.

    Transitional arrangements described in link in post 4.
    Originally posted by xylophone
    Thanks for the link. I'm pleased to note that the arrangements for DH and me are still the same because of the year/s we were born.

    Sorry, OP, thinking of self and not of you!
    r ic wisdom funde, śr wearū ic eald.
    Before I found wisdom, I became old.
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