What REALLY Happens to Your State Pension After Death. Spouse Or State?

Most people believe that their UK State Pension dies with them but that’s not always true.

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In this video "What really happens toy our state pension on death?" we break down the truth about inheriting the State Pension and explain how you or your spouse could claim thousands in extra retirement income — if you know the rules.

Whether you're on the old State Pension (before April 2016) or the new State Pension (after April 2016), this guide cuts through the complexity and shows you how to protect your family’s entitlement. If you're married or in a civil partnership, your spouse may be eligible to inherit your Additional State Pension (SERPS/S2P) or even deferred payments.

We'll also look at how contracting out and protected payments affect your pension, plus the major differences between the old and new systems. With 12.9 million pensioners in the UK and thousands missing out on unclaimed benefits every year, it's critical that you understand how this works.

Many people don’t realise:

The Government won’t automatically transfer your pension to your spouse

If you remarry before retirement age, you might lose all inheritance rights

If no eligible spouse exists, the State keeps the money

There’s no refund of your National Insurance contributions!

You’ll also discover bereavement benefits like:

Bereavement Support Payment (£2,500 lump sum + £100/month for 18 months)
Widowed Parent’s Allowance (up to £150.90/week)
Funeral Expenses Payment (for low-income families)

This video is for anyone planning for retirement, supporting a partner, or concerned about what happens to their pension when they die. If you're self-employed, nearing retirement, or have already lost a loved one, this could be vital financial information for your future.

We also explain the difference between the Basic State Pension, Additional State Pension, SERPS, S2P, and how deferral works, including the historic boost rates of 10.4% and 5.8%!

Whether you’re 30, 50, or 70 — it’s never too early (or too late) to get informed and take control. So if you're wondering how to claim more, avoid losing money, or help your family benefit after you’re gone — this is the video you need to watch.

All links to official government sites, forms, and rules are in the video description, including:

How to claim bereavement support
Contact numbers for pension guidance
Resources for checking your NI record

Don’t leave money on the table. Know your rights. Protect your partner.

CHAPTERS

00:00 Introduction
01:41 State pension basics
03:09 What are the state pension rules on death?
04:12 Old basic state pension rules
06:49 New single tier state pension rules

Bereavement Service Helpline: 0800 731 0469
State Pension Claim Line: 0800 731 7898
Gov.UK: https://www.gov.uk/new-state-pension/inheriting-or-increasing-state-pension-from-a-spouse-or-civil-partner

State Pension Rules FLIPBOOK:

https://designrr.page/?id=435011&token=266324787&type=FP&h=8164

Видео What REALLY Happens to Your State Pension After Death. Spouse Or State? канала Simon Says Money Matters