Is it possible to inherit the state pension in the United Kingdom? Explained are the rules for inheriting payment.
STATE PENSION can be inherited after your partner passes away, but it is subject to a number of conditions.
It may be possible to inherit or raise one’s state pension if one’s spouse or civil partner dies or has died. What can be claimed is determined by the couple’s state pension age and the date of their marriage or civil partnership.
Whether one’s state pension is based on old or new rules will be one factor to consider.
If someone or their partner reaches the age of state pension before April 6, 2016, the old regulations apply.
A person must have been born before April 6, 1953 to be eligible for a state pension before April 6, 2016.
The old state pension is divided into two parts: the basic state pension and the supplementary state pension.
Each component works in a somewhat different way, and entitlement may have accrued solely through the basic state pension or in conjunction with the supplementary state pension.
When the person who dies first attained state pension age, as well as when the couple married, will determine the amount that can be inherited.
If a pair were married or in a civil partnership before April 6, 2016, and both people reached state pension age before that date, the survivor may be entitled to a greater basic state pension depending on their partner’s National Insurance record.
This is only true if the surviving partner hasn’t already accrued a full basic state pension through their own National Insurance contributions.
If a person is under the age of state pension when their spouse or civil partner dies, they will lose this privilege if they remarry or form a new civil partnership before reaching state pension age.
If you meet the following criteria in 2021/22, you may be able to boost your basic state pension to £137.60 per week.
The basic state pension for oneself is less than £137.60 per week.
The deceased spouse’s or civil partner’s National Insurance contributions were sufficient.
It’s also possible that if one’s spouse or civil partner dies, they’ll be eligible to some form of Additional State Pension.
This is based on their partner’s National Insurance record.
The amount of Additional State Pension that can be inherited is detailed on the GOV.UK website.
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