Here’s what surviving spouses and civil partners need to know about what happens with your pension after death
The State Pension currently delivers a regular income to more than 13 million older people. The Department for Work and Pensions (DWP) issues these payments to individuals who have reached the UK Government’s qualifying retirement age and have accumulated a minimum of 10 years’ National Insurance contributions.
April saw the beginning of a gradual increase in the State Pension age from 66 to 67, with completion scheduled for March 2028.
Around five million people receiving the new State Pension are now getting payments worth up to £241.30 weekly, and since the contributory benefit is typically paid every four weeks, this totals £965.20 per payment period.
Most claimants overall (8.2 million) are in receipt of Basic State Pension payments worth up to £184.90 weekly, a total of £739.60 per payment period. For money-saving tips, sign up to our Money newsletter here
Which State Pension someone receives depends on when they were born – men born prior to April 6, 1951 and women born prior to April 6, 1953 qualify for the Basic State Pension, while those born after these dates will receive the New State Pension.
But what becomes of State Pension payments following someone’s death?
It’s an uncomfortable subject and not something anyone would willingly contemplate, yet understanding what happens could prove helpful to you or a relative down the line. Below is a brief summary of what you need to know.
State Pension payments following someone’s death
A State Pension claim doesn’t simply stop when someone dies and there are important steps that must be taken. Upon the person’s death, you’re required to notify the Pension Service to stop payments, which can be done by ringing the Pension Service helpline on 0800 731 0469.
You may qualify for additional payments from your late spouse’s or civil partner’s State Pension, though this hinges on their National Insurance contributions and when they reached State Pension age.
If you’ve yet to reach State Pension age yourself, you might also qualify for Bereavement benefits.
Inheritance: Basic State Pension
If a spouse or civil partner reached State Pension age before 6 April 2016, GOV.UK advises contacting the Pension Service following a death to establish what can be claimed.
It’s possible they can boost their Basic State Pension by utilising the deceased’s qualifying years, provided they’re not already receiving the full amount.
Should they have reached State Pension age on or after 6 April 2016, or be below State Pension age when their spouse or civil partner died, the “Your partner’s National Insurance record and your State Pension” tool on the UK Government website allows individuals to verify what inheritance they may be entitled to.
For those who are single, divorced, or have had their civil partnership dissolved, it’s possible that their estate may claim a portion of a Basic State Pension. This applies if that person passes away after reaching State Pension age, and only if the State Pension remained unclaimed. Under these circumstances, the estate is entitled to claim up to three months’ worth of the Basic State Pension.
Additional income from deferring State Pension
Upon reaching State Pension age, individuals can defer their payments if they wish to continue working. Taking this route will actually boost payments when they ultimately decide to claim by approximately £660 annually.
State Pension top-up
According to guidance published on GOV.UK, anyone who has enhanced their State Pension through top-up contributions may enable their spouse or civil partner to inherit some or all of that additional amount.
Inheritance: New State Pension
A person may be entitled to inherit an additional payment on top of their new State Pension following the death of their spouse.
However, nothing can be inherited if an individual remarries or enters a new civil partnership prior to reaching State Pension age.
Inheriting additional State Pension
Where a marriage or civil partnership commenced before 6 April 2016 and one of the following conditions is met, a person may inherit a portion of their deceased partner’s Additional State Pension. These conditions 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
An individual will inherit half of their partner’s protected payment if their marriage or civil partnership with them started before 6 April 2016, and:
- Their State Pension age falls on or after 6 April, 2016
- They died on or after 6 April, 2016
- This payment will be issued alongside the State Pension
Inheriting additional State Pension or a lump sum
An individual may inherit some or all of their partner’s additional State Pension or lump sum if:
- They died while deferring their State Pension or had begun claiming it following deferral
- They reached State Pension age before 6 April 2016
- They were married or in a civil partnership at the time of death.
Check your State Pension to calculate how much money you will receive on the GOV.UK website here.




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