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Ask Justin

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When will I receive inherited SERPS?

Retirement | State Pension Helpful? 3

Asked by Sunshine53, submitted 09 April 2012.

Open Quote I am entitled to an Inherited SERPS payment from my late husband. At what age do I start to receive this please? I was Born Late 1953.End Quote

Answered by Justin on 09 August 2012

You'll receive your late husband's SERPS at the same time your state pension commences. Given you were born after 6 April 1953 you'll unfortunately fall into the increased women's retirement age of somewhere between 64 and 66, depending on your exact date of birth. The Pension Advisory Service has a useful calculator.

Note: you'll lose your eligibility to inherited SERPS if you re-marry.

The proportion of the inherited SERPs you'll receive depends on when your late husband was born, as per the following table:

Late husband bornYour entitlement
5 October 1937 or before100%
Between 6 October 1937 and 5 October 193990%
Between 6 October 1939 and 5 October 194180%
Between 6 October 1941 and 5 October 1943 70%
Between 6 October 1943 and 5 October 1945 60%
6 October 1945 and after50%

There is a limit of overall weekly state pension you can receive of £161.94 (2012/13), including your own extra pension (SERPS/S2P) if applicable, as well as the inherited SERPS.

I'd suggest contacting the state pension forecast service (details here) on 0191 218 3600 to get confirmation of exactly how much you're due to receive.

Hope this helps.

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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