The State Pension provides a regular income for millions of older people across Great Britain. When a loved one dies, there are several steps that need to be taken to manage their State Pension payments. The first step is to inform the Pension Service to stop payments.
This can be done by calling their helpline at 0800 731 0469. Failing to notify them could result in overpayments that will need to be repaid. The type of State Pension payments an individual receives depends on their date of birth.
Men born before April 6, 1951, and women born before April 6, 1953, qualify for the Basic State Pension. Those born after these dates receive the New State Pension. It’s possible to inherit some State Pension benefits from a deceased spouse or civil partner, depending on certain conditions.
Managing State Pension payments
For the Basic State Pension, if the deceased reached State Pension age before April 6, 2016, the surviving spouse might be able to increase their own Basic State Pension using the deceased’s qualifying years, provided they do not already receive the full amount. For the New State Pension, inheritance rights can be established based on the deceased’s contributions.
If the marriage or civil partnership started before April 6, 2016, the surviving partner might inherit half of the deceased’s protected payment, applicable if the deceased died on or after April 6, 2016. If the deceased was deferring their State Pension or had started claiming it after deferring, the surviving spouse might inherit part of or all of the deceased’s extra State Pension or lump sum. If you haven’t yet reached State Pension age, you may be eligible for Bereavement benefits, which can provide financial support during the interim.
Postponing State Pension claims can lead to higher payments. By deferring, individuals can increase their annual payments by around £660. Managing State Pension payments after the death of a loved one involves several steps, but understanding the process can help alleviate some of the stress during a difficult time.
For more detailed guidelines and assistance, visit the GOV.UK website or contact the Pension Service directly.
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