Reader’s Question: I currently get a reduced state pension – what will I get when my husband dies?

Reader Question:

I am 61 and my husband is 68. He gets a full state pension and I get 80% state pension because of paying reduced stamps. If he dies what will I be entitled to?

My response:

The amount of your basic state pension would normally increase to the level he was receiving based on his national insurance contributions

In addition, you may also be entitled to claim a share of his additional pension (formerly SERPS now called State Second Pension). The exact amount will depend on his date of birth and will be between 50%-100% of the amount

Further details can be found in the government’s guide to the state pension, from page 32.

I hope that helps

Best wishes

Damien

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