Where the money goes

By This Is Money
Updated: 00:00 BST, 18 September 1999

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What happens to a person's 年金 (含むing the 基金) if he or she, or their spouse, dies? AP, Oxford.

Jon Minchin 独立した・無所属 財政上の 助言者 at Pensionline says: Assuming you are talking about a personal 年金, it depends whether or not you have yet bought an annuity. If not (ie, you are still 支払う／賃金ing in) when y ou die the value of your 年金 マリファナ goes to your 受益者s, in cash, 税金-解放する／自由な.

Usually, when you start a 年金, the company will ask you to fill in a form 指名するing who the 受益者/ies will be in such circumstances. The only exception is for a 'qualifying spouse' - this usually means a young married woman with small children, who gets the money as an income on her husband's death rather than as a lump sum. If you did not fill in a form 指名するing who should get the money, it passes to your 広い地所 and is 分配するd によれば your will, or if you did not leave one, によれば the 法律s of intestacy.

If you have already bought your annuity and are taking your 年金 利益s, who gets what when you die depends on the 肉親，親類d of annuity you have got. If it is written on your own life alone, your 年金 dies with you, 加える the money in your 年金 マリファナ. It is 保持するd by the company which sold you the annuity and goes into its 全体にわたる 基金 for 支払う／賃金ing 年金s to other （弁護士の）依頼人s. If it is a 共同の life annuity on you and your spouse, your spouse will still get an income when you die, but the level depends on what you chose at the 手始め - it could be the same as your received, or a 百分率 of it. Again, when your spouse dies he 年金 and 基金 goes 支援する to the company.

If you want to 避ける the company getting all your 未使用の 年金 マリファナ when you die, consider taking an income drawdown 選択, but before you do, there are many factors to be considered. 調査／捜査する in 詳細（に述べる） before making any 決定／判定勝ち（する）.