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Legal, pensions and money

Local Govt. pensions

(8 Posts)
TriciaF Wed 05-Jul-17 16:33:00

I've seen there's a thread about a person's OAP after death, but what about an LG pension? Would my husband get anything if I die first?
I had to contact my LG provider about something else, and asked her about this and she said "It depends...."
Has anyone had an answer to this question?

Rigby46 Wed 05-Jul-17 16:50:52

Go on their website. Rules are different pre and post 2008 and whether the person died in service or after retirement. Or if you've still got all the paperwork from when you retired, it should be in there. It's quite complicated

Nannarose Wed 05-Jul-17 16:56:02

Impossible to answer. Look up your paperwork, and if unclear, contact them again, with all your details and ask specifically.

A lot of similar schemes have a % pension (often half) to a surviving spouse, civil partner,or someone with whom you share a household. Some allow you to nominate others, and some give a lump sum.
It's even more complicated for LG & teachers, as various schemes amalgamated at various points.

Mamie Wed 05-Jul-17 19:11:30

My OH would get 50% of mine. I think I had to fill in a form nominating him and send a copy of our marriage certificate.

M0nica Wed 05-Jul-17 21:48:24

I do not have an LG pension, but worked for a privatised company from prior to privatisation, so terms were similar.

DH will get a pension from my employer if I die first. Like Mamie I had to nominate him and prove relationship and. I think, accept a slightly lower pension.

TriciaF Thu 06-Jul-17 11:42:12

Thanks to all. I'll have to get the ball rolling, because as I've said before I'm a good bit older than him and likely to die first. And he's a good husband.
I don't think I have any of the original paperwork. I was one of the first to get an LG early retirement package in 1990 at age 55.

grannyticktock Thu 20-Jul-17 17:12:27

My husband retired (early) from LG in 2003, and died last year. The pension providers were very helpful, telling me exactly what I would get and when I would get it. I received his full pension for 3 months after his death, and then it dropped back to half (it actually worked out as more than half, net, because I pay less tax).

I also found that my State pension was increased as a result of his contributions, something I hadn't expected. I didn't have to claim this, they just paid it. He earned - and contributed - a lot more than I ever did, which may be why this happened.

TriciaF Fri 21-Jul-17 11:55:52

Thanks for that Granyticktock - I must get on with this.
Not that (hopefully) I'm going to pop my clogs tomorrow, but while I'l still got the brain power to do it.