6. Inheriting Additional State Pension

If your spouse or civil partner dies, you may be able to inherit part of their Additional State Pension. Contact the Pension Service to check what you can claim and how.

You’re under State Pension age

You may inherit Additional State Pension if you get Widowed Parent’s Allowance. However, if your Widowed Parent’s Allowance ends, the Additional State Pension ends too.

It may be paid again when you reach State Pension age if:

  • you haven’t remarried or formed a new civil partnership
  • you were entitled to Widowed Parent’s Allowance when over the age of 45

If you get Bereavement Allowance you’ll only inherit any Additional State Pension once you reach State Pension age, and only if you haven’t remarried or formed a new civil partnership.

If your Widowed Parent’s Allowance or Bereavement Allowance ended before you were 55, the amount of Additional State Pension you receive will be less.

You’ve reached State Pension age

If you reached State Pension age before 6 April 2016, the maximum amount of Additional State Pension you can get is £165.60 per week from April 2016 to April 2017.

This includes any inherited Additional State Pension, and is based on you and your partner’s National Insurance contributions.

If you reached State Pension age on or after 6 April 2016, your inherited Additional State Pension is paid in full on top of your new State Pension.

Maximum State Second Pension you can inherit

You can inherit up to 50% of your spouse or civil partner’s State Second Pension.

Maximum State Earnings-Related Pension Scheme (SERPS) pension you can inherit

The maximum amount of SERPS pension you can inherit depends on when your spouse or civil partner died.

If they died before 6 October 2002, you can inherit up to 100% of their SERPS pension.

If they died on or after 6 October 2002, the maximum SERPS pension you can inherit depends on their date of birth.

Man’s date of birth Woman’s date of birth Maximum % of their SERPS you can inherit
5 October 1937 or before 5 October 1942 or before 100%
6 October 1937 to 5 October 1939 6 October 1942 to 5 October 1944 90%
6 October 1939 to 5 October 1941 6 October 1944 to 5 October 1946 80%
6 October 1941 to 5 October 1943 6 October 1946 to 5 October 1948 70%
6 October 1943 to 5 October 1945 6 October 1948 to 6 July 1950 60%
6 October 1945 and after 6 July 1950 and after 50%

When you can’t inherit Additional State Pension

You can’t inherit your spouse or civil partner’s Additional State Pension if all the following apply:

  • you reached the State Pension age before 6 April 2010
  • your spouse or civil partner died after you reached State Pension age but before their State Pension age
  • you’re a man who was married or in a civil partnership, or a woman who was married to another woman (unless she had legally changed her gender after marriage) or in a civil partnership