Will I be able to get the State Pension through my partner?Posted on: 25 May 2016 by James Hester
The new State Pension has been introduced for people who reach State Pension age on or after 6 April 2016
The introduction of the new State Pension on 6 April 2016 brings clarity to a system that few people truly understand. The reforms will reduce pensioner means-testing and support personal saving for millions of people.
The amount of new State Pension you get will usually depend on your own National Insurance (NI) record, but in some circumstances you may still be able to get some State Pension through your spouse or civil partner. There are five ways this could be possible.
1. Married Woman's Stamp
Before 1977, married women and some widows could choose to pay ‘Married Woman’s Stamp’, which meant paying NI contributions at a reduced rate.
Under the new rules, you’ll usually qualify for State Pension based on your own NI contributions alone. However, there are different rules if in the past you chose to pay reduced rate contributions. You might be able to get more State Pension using these different rules than you’d get based just on your own NI contributions.
2. Pension sharing
The courts could make a ‘pension sharing order’ if you get divorced or dissolve your civil partnership.
You’ll get an extra payment on top of your State Pension if your former spouse or civil partner is ordered to share their Additional State Pension or Protected Payment with you.
3. Inheriting Additional State Pension
Provided your marriage or civil partnership began before 6 April 2016 you may be able to inherit some of your spouse or civil partner’s Additional State Pension if either:
- Your partner reached State Pension age before 6 April 2016
- Your partner died under State Pension age before 6 April 2016
You’ll not be able to inherit any Additional State Pension if you remarry or form a new civil partnership before you reach State Pension age.
4. Inheriting Protected Payment
You could inherit half your spouse or civil partner’s Protected Payment if your marriage or civil partnership started before 6 April 2016 and either:
- Your partner reaches State Pension age on or after 6 April 2016
- Your partner dies under State Pension age on or after 6 April 2016
Your spouse or civil partner will have a Protected Payment if their starting amount under the new system is more than the full rate of the new State Pension.
You’ll not be able to inherit any Protected Payment if you remarry or form a new civil partnership before you reach State Pension age.
5. Inheriting extra State Pension
If your spouse or civil partner reached State Pension age before 6 April 2016 and was getting extra State Pension because they had put off claiming (deferred) their State Pension, you may inherit part or all of that extra amount.
If they were still deferring their State Pension when they died you may be able to choose between inheriting an extra weekly amount or a one‐off, taxable lump‐sum payment, if they had deferred for at least 12 months.
You won’t be able to inherit any extra State Pension or lump-sum payment if you remarry or form a new civil partnership before you reach State Pension age.
The inheritance arrangements will be specific to individual circumstances so the DWP have produced a series of factsheets:
You can find out further information at:
Share with friends
Related Blog Posts
29 Jan 2019Divorced Women Losing Out on Pension ...
12 Dec 2018Investment options for your retirement
2 Feb 20176 reasons retirees return to work