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
    • grajay
    • By grajay 7th Aug 18, 7:35 AM
    • 10Posts
    • 4Thanks
    grajay
    Can wife inherit husband's State Pension?
    • #1
    • 7th Aug 18, 7:35 AM
    Can wife inherit husband's State Pension? 7th Aug 18 at 7:35 AM
    I have read that it is possible for a widow receiving her (reduced) state pension since 2004 and which is based on her husband's contributions, would be able to inherit some of her husband's state pension upon his death.


    This seems to fit into my personal circumstances and I wonder if I have got this right. Could someone confirm this for me please? I have been in receipt of a full State Pension since 2007.


    Thanks
Page 1
    • xylophone
    • By xylophone 7th Aug 18, 9:48 AM
    • 26,107 Posts
    • 15,465 Thanks
    xylophone
    • #2
    • 7th Aug 18, 9:48 AM
    • #2
    • 7th Aug 18, 9:48 AM
    You say that you started to receive a category B pension ( pension based on your husband's contributions) in 2004.

    Were you widowed in 2007?

    At this point your pension increased to a full basic state pension plus some inherited second state pension from the late spouse?

    https://www.savvywoman.co.uk/2012/07/what-happens-to-your-state-pension-when-you-die/
    Last edited by xylophone; 07-08-2018 at 9:52 AM. Reason: add
    • grajay
    • By grajay 7th Aug 18, 9:53 AM
    • 10 Posts
    • 4 Thanks
    grajay
    • #3
    • 7th Aug 18, 9:53 AM
    • #3
    • 7th Aug 18, 9:53 AM
    Thanks for the reply.


    I am asking this as the circumstances seemed to fit my circumstances and I wanted to confirm the information for future planning.


    I am pleased to say that my wife is not yet a widow, but say I dropped dead tomorrow - would she be entitled to have her lowly state pension (based on my contributions) increased?
    • xylophone
    • By xylophone 7th Aug 18, 10:07 AM
    • 26,107 Posts
    • 15,465 Thanks
    xylophone
    • #4
    • 7th Aug 18, 10:07 AM
    • #4
    • 7th Aug 18, 10:07 AM
    You reached SPA under the old system.

    Your wife receives a Cat B pension on your contributions.

    Read link above.

    See also

    https://www.gov.uk/state-pension/inheritance

    http://www.thisismoney.co.uk/money/pensions/article-3945286/Will-wife-s-state-pension-rise-die-Steve-Webb-replies.html
    • grajay
    • By grajay 7th Aug 18, 12:05 PM
    • 10 Posts
    • 4 Thanks
    grajay
    • #5
    • 7th Aug 18, 12:05 PM
    • #5
    • 7th Aug 18, 12:05 PM
    That's very helpful - thanks a lot.
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

4,673Posts Today

4,802Users online

Martin's Twitter
  • Ta ta... for now. This August, as I try and do every few yrs, I'm lucky enough to be taking a sabbatical. No work,? https://t.co/Xx4R3eLhFG

  • RT @lethalbrignull: @MartinSLewis I've been sitting here for a good while trying to decide my answer to this, feeling grateful for living i?

  • Early days but currently it's exactly 50 50 in liberality v democracy, with younger people more liberal, older more? https://t.co/YwJr4izuIj

  • Follow Martin