Skip to main content

State pension: Can you inherit your spouse's state pension? How much can be inherited?

There are two types of state pension, with these being the basic state pension and the new state pension. The type that a person can claim will depend on their date of birth. For instance, men born before April 6, 1951 and women born before April 6, 1953 can claim the new state pension.


  • Martin Lewis reveals ‘instant’ thing to do with £400,000 inheritance

Those born after these dates follow the new state pension rules.

People who are eligible to claim the state pension can do so once they’ve reached their state pension age – which is rising.

It’s possible to defer claiming the state pension, and if this is done for a certain amount of time, the pensioner’s payment may increase.

Some may wonder what happens to their state pension in terms of inheritance when they die.

Inheritance: Basic state pension

Should the spouse or civil partner have reached state pension age before April 6, 2016, then instructs them to contact the Pension Service once one dies in order to check what they can claim.

It may be that they can increase their basic state pension by using the deceased’s qualifying years if they do not already get the full amount.

Should they have reached state pension age on or after April 6, 2016, or be under state pension age when their spouse or civil partner dies, the “Your partner’s National Insurance record and your State Pension” tool on the government website can enable a person to check what inheritance they might be entitled to.

For people who are single or divorced, or who have had their civil partnership dissolved, it may be that their estate can claim some of a basic state pension.

This is if that person dies after reaching state pension age, and only if the state pension had not been claimed.

In this circumstance, the estate can claim up to three months of the basic state pension.

Extra money from deferring state pension

Some may opt to defer their state pension in order to build up an extra amount.

In this situation, the spouse or civil partner may either claim the extra state pension or get a lump sum.


  • Benefit payments Christmas date changes: When will you receive yours?

State pension top up

Should one have topped up their state pension (between October 12, 2015 and April 5, 2017), the spouse or civil partner may be able to inherit some or all of the top up, states.

Inheritance: New state pension

It may be that a person is able to inherit an extra payment on top of their new state pension if they are widowed.

However, an individual cannot inherit anything should they remarry or form a new civil partnership before they reach state pension age.

Inheriting Additional State Pension

If a marriage or civil partnership began before April 6, 2016 and one of the following circumstances applies, then a person may inherit part of their deceased partner’s Additional State Pension.

These are:

  • The deceased partner reached state pension age before April 6, 2016
  • They died before April 6, 2016 but would have reached state pension age on or after that date.

Inheriting a protected payment

A person will inherit half of their partner’s protected payment if their marriage or civil partnership with them began before April 6, 2016, and:

  • Their state pension age is on or after April 6, 2016
  • They died on or after April 6, 2016.

This payment will be made with the state pension.

Inheriting extra state pension or a lump sum

A person may inherit part of all of their partner’s extra state pension or lump sum if:

  • They died while they were deferring their state pension or had started claiming it after deferring
  • They reached state pension age before April 6, 2016
  • They were married or in the civil partnership when they died.
Source: Read Full Article


Popular posts from this blog

Fears coronavirus will spark divorce surge as couples self-isolate for months

Coronavirus is "very likely" to lead to an increase in marriage break-ups because of people being confined together for long periods in self-isolation, a leading divorce lawyer has said.Baroness Shackleton of Belgravia, whose previous clients have included Sir Paul McCartney, the Prince of Wales, Madonna and Liam Gallagher, revealed the view of the profession as a growing number of households go into voluntary lockdown in a bid to curb the spread of infection.Official health advice states that if one person in a property has a persistent cough or fever, everyone living there should stay at home for 14 days.Nicknamed the "Steel Magnolia" for her skills and charm, Lady Shackleton told peers at Westminster: "The prediction amongst divorce lawyers is that following self-imposed confinement it is very likely that the divorce rate will rise."Our peak times are after long exposure during the summer holidays and over Christmas."One only has to imagine what i…

At Least 23 People Dead in Australia Bushfires As Blazes Continue Raging

SYDNEY (AP) — A father and son who were battling flames for two days are the latest victims of the worst wildfire season in Australian history, and the path of destruction widened in at least three states Saturday due to strong winds and high temperatures.The death toll in the wildfire crisis is now up to 23 people, Prime Minister Scott Morrison said after calling up about 3,000 reservists to battle the escalating fires, which are expected to be particularly fierce throughout the weekend.“We are facing another extremely difficult next 24 hours,” Morrison said at a televised news conference. “In recent times, particularly over the course of the balance of this week, we have seen this disaster escalate to an entirely new level.”Dick Lang, a 78-year-old acclaimed bush pilot and outback safari operator, and his 43-year-old son, Clayton, were identified by Australian authorities after their bodies were found Saturday on a highway on Kangaroo Island. Their family said their losses left them…

Data-obsessed Brits spend an entire WEEK per year 'analysing their lives with gadgets', survey suggests

DATA driven Brits spend the equivalent of a WHOLE WEEK of each year tracking and analysing their behaviour, according to research.A survey of 2,000 adults revealed we typically use analytical apps and devices to monitor six parts of our lives.More than half (51 per cent) monitor their steps and movement, with 39 per cent tracking their fitness and 34 per cent regularly monitoring their heart rate.And one quarter of adults use apps to see how much sleep they get each night.But according to a new survey, commissioned to encourage the use of smart meters in UK homes during Big Energy Saving Week and beyond, three quarters (76 per cent) of Brits admit they haven’t the foggiest how much energy they use at home.In total, adults spend 30 minutes every day checking their health, behaviour and finances on apps and devices – the equivalent of 183 hours or seven-and-a-half days per year.A quarter like to track areas of their life because it inspires them to improve, while 22 per cent say it make…