Works Pension

[kloofnek]

If a married man is receiving a Works Pension (Occupational Pension,I have heard it referred to as well)..when he dies,will his widow carry on receiving it or part of it?

[DrFilth]

you should have a pensions booklet with all the small print in it which will explain all this

if i had a wife she would have received the full pension so long as we were together when i died

one of my old workmates died after he split from his wife/partner and i know that she never got a penny

best to get him to check with his pension department

[ubasses]

Depends on the terms of the pension scheme. if I or my husband die the other will receive 50% of the pension. When my stepfather died my Mum did not get anything.

[kloofnek]

Thank you,so it would appear that ,if married,widow would receive...

[hc4361]

50% with my pension, too

[kloofnek]

OK..so it depends on the pension company...?

[DrFilth]

kloofnek you need to read all the booklet information , every last boring paragragh

best to know now as they do vary

[dzug2]

Many occupational schemes provide for the widow(er) to receive one third or one half of the deceased's pension on an ongoing basis

But they do vary considerably - in some there may be no continuing pension. I haven't heard of any where the full pension continues to be paid though.

[DrFilth]

> OK..so it depends on the pension company...? <

correct

[kloofnek]

This is not for myself...just a question which came up when conversing with a friend

[kloofnek]

But...thank you for your responses.

[chrissa1]

When my husband died three years ago, I got his pension, all £120 per month until this month. It has now been halved.

[kloofnek]

Chrissie,is this the usual practice..to drop it after so long...were you informed in advance

[factor-fiction]

No, what happened to Chrissa is not the normal practice. But what matters is the scheme rules

[EDDIE51]

kloofnek it varies with each pension company they all have their own rules. But it is normal that a widow does not get the full pension for the rest of her life.

[boxtops]

I agree with all the above. My annual pension statement is very clear how much by OH would get if I pre-decease him.

[kloofnek]

Right..thank you all

[Arrods]

Just to add that some pensions have a provision whereby, if you have taken a lump sum in return for a lower pension, the widow receives 50% of the (higher) pension that would have been paid had you not taken the lump sum. As others have said, the answer lies in the scheme rules/booklet.

[chrissa1]

They said I should have received a letter and they are sending me said letter now.
Not sure where the three year deadline/cut off comes from.

[ubasses]

A lot of pensions have a Life Policy written in to them. These pay out if the recipient dies within a set timescale (my pension scheme is 5 years) but will be reduced by any pension already paid out.
It may be in Chrissa's situation that her husband's pension did not pay a spouses pension but she has been receiving the remainder of the insurance as a monthly pension payment.