There are times when you can inherit or increase the State Pension via a spouse or a civil partner. If you become widowed, you may end up inheriting an extra payment on top of your new State Pension.
INHERITING STATE PENSION: This section explains the rules for State Pension payments after the death of a spouse (or partner).
To inherit some of your deceased partner's Additional State Pension, the marriage or civil partnership must have started before April 6th 2016 and:
Note: If you remarry or form a new civil partnership prior to reaching State Pension age you cannot inherit extra payments.
You can inherit half of your deceased partner's 'protected payment' paid with your State Pension, providing:
As a rule, you can inherit part, all, or a lump sum, of your partner's extra State Pension if they:
The new State Pension gets based on your personal National Insurance record. Those who qualify can increase their new State Pension.
Note: Eligibility means you have been paying the 'married women's or widow's reduced rate National Insurance'.
When you get divorced, or you dissolve your civil partnership, the court can issue a 'pension sharing order'.
Your ex-partner may get issued with a court order to share their Additional State Pension or 'protected payments'. That results in an extra payment on top of your State Pension payments.
But, the court can also order you to share your Additional State Pension or 'protected payments' with your ex-partner. That means your State Pension will get a reduction.
The New State Pension: A section explaining the new State Pension rules and regulations.
How State Pension is Calculated: Your NI record determines the formula for the new State Pension.
National Insurance Record: How NI record and contributions determine eligibility at State Pension age.
Contracted Out: Check what happens if you were in a workplace, personal, or stakeholder pension.
Living and Working Abroad: What happens to your new State Pension if you live and work overseas?
Inheriting or Increasing the State Pension from a Spouse or a Civil Partner