When you die, some of your state pension entitlements may pass
to your widow, widower or surviving civil partner.
Basic state pension
Your spouse or civil partner may be entitled to some basic state
pension based on your national insurance
(NI) contributions, but only if they have not already built up
a full basic state pension from their own NI contributions
record.
When you die, your spouse or civil partner can apply for your NI
record to be used instead of their own, so this will only help them
if your record is more complete than theirs.
If you die while they are under state pension age, they will
lose this right if they remarry or enter into a new civil
partnership before they reach state pension age.
Your spouse or civil partner may be entitled to any extra state
pension you are entitled to because you put off claiming it when
you reached state pension age.
To find out more visit https://www.gov.uk/state-pension/further-information.
Click
here to find out more about basic state
pension.
Additional state pension
You may have contributed towards an additional state pension. This could
be the state second pension (S2P,
which used to be known as the state
earnings-related pension scheme or SERPS) or the graduated
state pension.
If you die, your spouse or civil partner may be able to inherit
some of this additional state pension.
To see how much additional state pension can be inherited, go to
www.gov.uk/additional-state-pension/further-information.
Click
here to find out more about additional state
pension.
Bereavement benefits
Your widowed husband, wife or civil partner may also be able to
claim the following bereavement benefits:
- a one-off bereavement payment;
- bereavement allowance for one year;
- widowed parent's allowance (if they have a dependent child or
children).
All these benefits will depend on the amount of national
insurance contributions you've paid, or are treated as having
paid.
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