State pension: Do you inherit your spouse’s state pension? What happens if they die?

The state pension is complicated affair and causes confusion for many.

Britons who have paid enough in national insurance payments will get a pay out in the form of a state pension, once they reach state pension age.

You must have paid a minimum of 10 years in national insurance to get any kind of state pension, and not everyone gets the same amount.

Not everyone has the same pension age either, this can depend on your gender and when you were born.

So what happens if your spouse was entitled to a pension and they pass away?

Do you inherit your spouses state pension?

Experts from PensionBee told Express.co.uk: “It’s possible to pass on your state pension payments after death but this can only go to your spouse or civil partner.”

If you are only cohabiting with your partner there is no way you can inherit their state pension.

This is the case no matter how long you lived together and if you have children.

PensionBee said: “The main pension rule governing State Pensions in death is whether you reached State Pension age before or after recent State Pension changes came into effect on 6 April 2016.

“If you reached State Pension age before 6 April 2016 and receive the Basic State Pension, your spouse or civil partner can claim your Additional State Pension, which is based on your National Insurance Contribution record.

“In some instances it may be possible to pass on a State Pension lump sum on death and your spouse or civil partner could qualify for bereavement benefits.”

However, the rules have changed for those who reach state retirement age later.

“If you reached State Pension age after 6 April 2016 and (will) receive the new State Pension, your spouse or civil partner may be able to inherit an extra payment on top of your pension,” the expert explained.”

Will the state pension 2019 rise? 

Pensioners will get a £220 increase in their pension pot for 2019/2020, after a fall in inflation activated the government’s triple lock policy.

How much state pension will you get? 

The full amount Britons may receive is £164.35 per week for 2018 and 2019.