宣伝

Child 利益税金 threshold would be DOUBLED under Tory 誓約（する）: What would it mean for families, and why is it 議論の的になる?
How would Lib Dem 計画（する） for 解放する／自由な personal care work... and how much would it cost to give people help with 仕事s like washing and dressing?
How to save the most on running an electric car: The trick to 告発（する），告訴（する）／料金 an EV for just ￡218 a year
How much are my 1990s Beanie Babies 価値（がある） - and are there any rare ones should I look out for? Our valuation 専門家 DAN HATFIELD replies
Bailey must follow the ECB with Bank of England's first 利益／興味率削減（する）, says ALEX BRUMMER
Will tenants finally get some 一時的休止，執行延期 from rentflation? 普通の／平均（する） rents FELL in six cities at start of 2024
House prices continue to rise 毎年, says Halifax... but many 買い手s are waiting for an 利益／興味率削減（する） to make their move
Gold 急ぐ! 王室の造幣局報告（する）／憶測s 抱擁する spike in precious metal sales after the 選挙 was called as 投資家s look to keep their cash 安全な
商売／仕事長官 Kemi Badenoch to 質問（する） Czech Sphinx over 王室の Mail 計画（する）s - as 恐れるs 開始する for 郵便の service's 未来
抱擁する US 職業s growth 大打撃を与えるs 連邦の Reserve 利益／興味率削減（する） hopes as 分析家s 警告する the bank could 持つ／拘留する解雇する／砲火／射撃 until next year
New 時代 for Asda as 私的な公正，普通株主権支援者 TDR 資本／首都 buys Zuber Issa's 火刑／賭ける to become 大多数 owner of supermarket group
長，指導者 exec of Magners cider 製造者 C&C Group 辞職するs に引き続いて 'accounting mistakes and errors of 裁判／判断'
SMALL CAP MOVERS: SRT 海洋 Systems 株耐える rollercoaster 貿易（する）ing 開会／開廷／会期
Bellway 昇格s new build price 指導／手引 to ￡305,000 as UK 所有物／資産／財産部門 stabilises
Blooming nightmare for 運転者s: Road 調印するs and 速度(を上げる）限界s are too often obscured by overgrown trees and bushes
How a 50-30-20 予算 can help you get a 支配する of your 財政／金融s - and save more money
Savers 爆破 the 政府 over 明言する／公表する年金最高の，を越す-ups 大混乱, as we discover MORE 失敗s
Home swapping website used in The Holiday sees 需要・要求する急に上がる: It's a cheaper way to travel - how does it work?
I want to 再生利用する old car tyres and sell them on - can I make any money? BANK OF DAVE replies
'Half of homes are in the wrong 禁止（する）d': 会議税金 in England is frozen in 1991 and needs 緊急の改革（する）, says the IFS
I want to build up my credit 得点する／非難する／２０ - how can I do it?
The car 製造者s 主要な the way in the EV race and those 落ちるing behind: World's 21 most popular 製造業者s 得点する／非難する／２０d - where does your brand 階級?
Three in four drivers don't want second-手渡す electric cars - and 殴打／砲列 life is the biggest 'serious 関心'
Why it could 支払う／賃金 to wait before passing your 運動ing 実験（する） as 17-year-old drivers 引用するd over ￡3,000 for cover

Will you 相続する any 明言する／公表する年金 from your husband or wife when they die? 支配するs are いっそう少なく generous for younger spouses - here's what you might get

By Tanya Jefferies for Thisismoney.co.uk

Updated: 14:59 BST, 12 April 2024

e-mail

Many couples worry about how the 生き残るing partner will 対処する financially when one of them dies.

One of the most たびたび（訪れる） questions to our columnist Steve Webb is how much 明言する／公表する年金 a 未亡人d partner can 推定する／予想する to receive.

There is no straight answer as it depends on when the 生き残るing partner reaches or has passed 明言する／公表する年金 age and their spouse's date of birth and 国家の保険記録，記録的な／記録する.

What you might get, if anything, is far いっそう少なく generous if you reached or are still 予定 to reach 明言する／公表する年金 age after April 2016.

Below, we explain the old pre-2016 and new 支配するs for people who are 未亡人d. For a guide to what you might get, you can input your 詳細（に述べる）s into this 明言する／公表する年金道具 created by the 政府.

Will you 相続する any 明言する／公表する年金 from your husband or wife after they die?

How does the 明言する／公表する年金 work?

Everyone who builds up a 国家の保険記録，記録的な／記録する of at least 10 qualifying years is 適格の for a 明言する／公表する年金 of some 量.

You need to have 35 years of 出資／貢献s to get the 十分な new flat 率明言する／公表する年金開始する，打ち上げるd in April 2016.

Before that, you needed to have 30 years of qualifying 国家の保険出資／貢献s, though this number and the 支配するs 変化させるd over the 先行する１０年間s.

The pre-2016 明言する／公表する年金 was 分裂（する） into two tiers, the basic level 加える an extra sum if you paid その上の出資／貢献s 経由で S2P and Serps.

You can fill gaps in 未払いの and or underpaid 国家の保険 in previous years,?by making voluntary 最高の，を越す-ups to buy extra qualifying years, and build up more years by 支払う／賃金ing NI while you continue to work.

Everyone gets the 選択 of deferring their 明言する／公表する年金 to get more in their later years. You can check your NI 記録，記録的な／記録する here and get a 明言する／公表する年金予測（する） here.?

How much is the 明言する／公表する年金 now?

The basic 明言する／公表する年金 is ￡169.50 a week or around ￡8,800 a year. It is topped up by 付加明言する／公表する年金 entitlements - S2P, Serps or 卒業生（する）d 退職利益 - 供給するd these were earned during working years.

The new 'flat 率' 明言する／公表する年金 introduced from 6 April 2016 is 価値（がある）￡221.20 a week or � �11,500 a year if you qualify for the 十分な量.

People who have 契約d out of S2P and Serps over the years and retire after April 2016 might get いっそう少なく than the 十分な new 明言する／公表する年金.

Even if you paid in 十分な for a whole 35 years or more, if you 契約d out for some years it might still 減ずる what you get, unless you have time to make it up with 正規の／正選手 NI 出資／貢献s before you are 66 or buy 最高の，を越す-ups.

Steve Webb on 相続するing a 明言する／公表する年金?

?I've sadly been 未亡人d twice but never 相続するd any 明言する／公表する年金 from my late wives: Is this 権利?

Will I 相続する any 明言する／公表する年金 from my late husband now I'm 66?

Will I 相続する any of my terminally ill husband's 明言する／公表する pen sion when he dies?

Can couples 相続する明言する／公表する年金 from each other, and how much might they get?

> Read Steve Webb's most popular columns on the 明言する／公表する年金

What are the pre-2016 支配するs on 相続するing 明言する／公表する年金?

If you reached 明言する／公表する年金 age before 6 April 2016, far more generous 支配するs were in place for 相続するing 支払い（額）s than for people retiring now.

What you get depends on how much of a 国家の保険記録，記録的な／記録する your spouse built up.

You also need to have not remarried before 明言する／公表する年金 age.

Basic 明言する／公表する年金: As long as you have not maxed out your own 明言する／公表する年金 entitlement already, and your spouse built up enough 国家の保険 in their own 権利 - in other words, they weren't 支払う／賃金ing the 減ずるd married women's stamp - you would get an 増加する, or even the 十分な basic ￡169.50 a week.

付加明言する／公表する年金: You 相続する 50-100 per cent of this 量 depending on your late spouse's date of birth.

The Gov.uk website page on 付加明言する／公表する年金 says: 'If they died before 6 October 2002, you can 相続する up to 100 per cent of their Serps 年金.

'If they died on or after 6 October 2002, the 最大限 Serps 年金 and 明言する／公表する年金最高の，を越す up you can 相続する depends on their date of birth.'

Source:?Gov.uk

公式文書，認める that people who were self-雇うd only built up basic 明言する／公表する年金.

Also, many people were '契約d out' of 支払う／賃金ing 付加明言する／公表する年金?for periods, and their 出資／貢献s went に向かって their 私的な or work 計画／陰謀s instead, so they would have earned より小数の if any of these extra 明言する／公表する年金支払い（額）s.

Were you underpaid 明言する／公表する年金 since 存在未亡人d?

If you think you should have 相続するd 明言する／公表する年金 from a late spouse but did not, there is a chance you 行方不明になるd out.

Many women, 含むing 年輩の未亡人s, have been?underpaid 明言する／公表する年金 in a ￡1.2billion スキャンダル暴露するd by former 年金s 大臣 Steve Webb and This is Money in 2020.

We have 報告（する）／憶測d many stories of women receiving payouts of tens of thousands of 続けざまに猛撃するs, and a couple of 事例／患者s of 未亡人s 借りがあるd more than ￡100,000, after 存在奪うd of the 訂正する明言する／公表する年金予定 to DWP errors.

STEVE WEBB ANSWERS YOUR PENSION QUESTIONS

I'm struggling to 攻撃する，衝突する a tight 最終期限 to turn six 年金s into a ￡17,500-a-year annuity

Why did DWP say my mum, 90, was 借りがあるd ￡60k in 明言する／公表する年金 - when that was 誤った?

How do I 跡をつける負かす／撃墜する a long lost 年金? Steve Webb's five 最高の，を越す tips for finding old マリファナs

Will 明言する／公表する年金 become means 実験（する）d if you own 所有物／資産／財産 or have 私的な年金s?

I paid NI for 45 years so don't I get a 十分な明言する／公表する年金 - please explain?

I'm 84 and don't have a 国家の保険 number - can I get a 明言する／公表する年金?

I've got ￡213,000 in my 年金マリファナ, what do I need to do before I 攻撃する，衝突する 75?

? ? ? ?

Webb, now a partner at LCP, has a 道具 on his 会社／堅い's web page to help 未亡人s find out if they were underpaid 明言する／公表する年金. The DWP's 接触する詳細（に述べる）s are here.???

What can you 相続する if you 攻撃する，衝突する明言する／公表する年金 age after 2016?

Under the new 支配するs your 明言する／公表する年金 is meant to be based on your own NI 記録，記録的な／記録する, not that of your spouse.

What you might 相続する from them, if anything, is therefore far more 限られた／立憲的な if you reached or are still 予定 to reach 明言する／公表する年金 age after April 2016.

This is 特に the 事例／患者 if you both come under the 地位，任命する-2016 支配するs.

If the spouse who dies qualified for a 十分な new 明言する／公表する年金, 現在／一般に価値（がある）￡203.85 a week, or いっそう少なく than this a 生き残るing spouse will not 相続する anything.

However, if the late spouse got more than this 予定 to 付加明言する／公表する年金 built up in the past, the 超過 is regarded as a '保護するd 支払い（額）' and the spouse 生き延びるing them gets half of it.

There are special 支配するs if you paid the married women's stamp, and you can use the Gov.uk 相続するing the 明言する／公表する年金道具 to find out more.

一方／合間, if a 生き残るing spouse comes under the old system and their spouse the new one, the former can fill gaps in their basic 明言する／公表する年金 and 相続する 50 p er cent of any 付加明言する／公表する年金 or Serps that the latter built up before April 2016.

If the 未亡人d spouse reaches 明言する／公表する年金 age under the new system and their late spouse the old one, the former would 相続する 50-100 per cent of the latter's 付加明言する／公表する年金 or Serps (see the （米）棚上げする／（英）提議する above) but not any of their basic 明言する／公表する年金.

You can still receive a 上げる to your 明言する／公表する年金 from the 出資／貢献s of a late husband or wife even if they sadly did not live to draw a 年金. This would be payable when you reach your own 明言する／公表する年金 age.?

Go here for 詳細（に述べる）s of what the 政府供給するs in bereavement support.

SIPPS FOR DIY PENSION INVESTORS

0.25% 基金s 料金

Online 取引，協定ing starting from ￡1.50

柔軟な service

解放する／自由な基金取引，協定ing 利用できる

￡9.99 月毎の料金

Good for たびたび（訪れる）仲買人s

減ずるd Sipp 料金

0.2% 料金 for ready-made 大臣の地位s

Service 料金 0.35%

柔軟な退職選択s

(v)提携させる(n)支部，加入者 links: If you take out a 製品 This is Money may earn a （売買）手数料，委託（する）／委員会／権限. This does not 影響する／感情 our 編集（者）の independence.

> Compare the best 投資するing 壇・綱領・公約 for you

Some links in this article may be (v)提携させる(n)支部，加入者 links. If you click on them we may earn a small （売買）手数料，委託（する）／委員会／権限. That helps us 基金 This Is Money, and keep it 解放する／自由な to use. We do not 令状 articles to 促進する製品s. We do not 許す any 商業の関係 to 影響する／感情 our 編集（者）の independence.

Sorry we are not 現在／一般に受託するing comments on this article.