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Ask Justin

Ask Justin

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What share of my husbands SERPS-S2P do I get?

Retirement | State Pension Helpful? 7

Asked by Anavargos, submitted 12 April 2011.

Open Quote My Husband contacted out and receives extra pension for this. I receive 60% of normal pension, but what percentage of extra pension should I get.End Quote

Answered by Justin on 14 April 2011

Unfortunately none, at least while your husband is still alive.

Spouses and civil partners who have not paid sufficient National Insurance contributions to receive more than 60% of the basic state pension themselves can receive 60% based on their partner's contributions via the so-called 'married couple's' basic state pension - note married men and civil partners have only been able to benefit from this when reaching retirement age on or after 6 April 2010.

However, this only applies to the basic state pension, not extra pension accumulated via SERPS or S2P.

The only situation in which a spouse or civil partner becomes entitled to a share of their partner's extra SERPS or S2P state pension is when their partner dies. In the case of S2P they receive half the pension and for SERPS it varies between half and all the pension depending on your partner's date of birth. You can view the full list of birth dates and entitlements on the DirectGov website.

In the case of someone already having their own extra state pension and then inheriting their partner's extra state pension, their overall extra pension will be limited to £159.52 per week for the 2011/12 tax year.

Please note this answer does not constitute a recommendation or financial advice and should not be relied upon when making specific investment or other financial decisions. You should always undertake your own research into whether a product or service is appropriate for your needs and, if necessary, use a qualified professional adviser.

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