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The State Pension is only available for individuals who have made the necessary National Insurance contributions throughout their working life. However, many spouses or civil partners may be entitled to State Pension entitlements based on their partner’s National Insurance contributions. Express.co.uk has compiled a guide to explain how Survivor’s Inherited State Pension works and who is eligible.
What is State Pension?
State Pension is a regular income paid by the UK Government once you reach State Pension age.
The weekly payment is made to individuals based on the amount of National Insurance contributions one has made during their life.
There are two types of State Pension: the basic State Pension and the new State Pension.
The basic State Pension is paid to men born before April 6, 1951, and women born before April 6, 1953.
The most one can get is £134.25 per week and is usually paid every four weeks into an account of your choice.
The new State Pension is paid to men born on or after April 6, 1951, and women born on or after April 6, 1953.
The full new State Pension is £175.20 per week.
What is the current State Pension age?
From October 6, 2020, the new State Pension age is 66.
The State Pension age is scheduled to rise to 67 by 2028 and again to 68 by 2039.
You can determine exactly when you will qualify for the State Pension using the State Pension calculator tool here.
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Who is eligible for State Pension?
To qualify for State Pension, you must make National Insurance contributions, with claimants needing a minimum of 10 years’ worth to receive State Pension.
To receive the full State Pension you must make 35 years’ worth of contributions.
You may not have enough qualifying gaps in your record due to breaks in working due to unemployment, being ill, not working, taking time off for childcare or living abroad, but these individuals can make voluntary contributions to help meet the requirement.
What is Survivor’s Inherited State Pension?
Those who do not qualify for the new State Pension because they do not have enough National Insurance contributions may be entitled to the Survivor’s Inherited State Pension.
You cannot receive any New State Pension based on your partner’s national insurance contributions.
However, if you are a widow, widower or surviving civil partner and your deceased partner made the necessary National Insurance contributions before April 6, 2016, you may be entitled to claim Survivor’s Inherited State Pension.
Who is entitled to Survivor’s Inherited State Pension?
You may be entitled to this payment if your spouse or civil partner has made the necessary National Insurance contributions.
You will not be able to inherit anything if you remarry or form a new civil partnership before you reach State Pension age.
You may be entitled to extra State Pension if your partner put off claiming their State Pension when they reached State Pension age.
Individuals may also be entitled to inherit a deceased partner’s Additional State Pension if your marriage or civil partnership with them began before April 6, 2016, and one of the following applies:
Your partner reached State Pension age before April 6, 2016.
Your partner died before April 6, 2016, but would have reached State Pension age on or after that date.
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