State pension explained Widow's pension and bereavement allowance
It's a distressing time when a partner dies, both emotionally and financially. If you're financially dependent on your partner or spouse, you may wonder how you'll be able to get by.
The government does offer some financial support to those who have lost a partner. This comes in the form of the 'bereavement allowance'. It used to be known as the widow's pension.
This guide explains how bereavement allowance works and whether or not you're able to claim it.
How much bereavement allowance will I get?
The widow’s pension, awarded to widows over age 45, was replaced by the bereavement allowance in 2001.
The bereavement allowance is given to widows, widowers or surviving civil partners over age 45 until they reach state pension age. It is paid for up to 52 weeks.
Go further: What am I entitled to now I'm retired? - Find out about all the benefits you're eligible for
The amount you'll get depends on your age at the time of your partner's death and the overall level of their National Insurance contributions.
It also depends on your age when your partner dies. The younger you are, the less you’ll get.
- If you’re aged between 45 and 50, you will get between £33 and £72 a week.
- If you’re aged between 50 and 55, you’ll get between £72 and £103 a week.
- From age 55 to state pension age, you’ll get up to £111 a week.
In some cases, you may get an additional pension on top of bereavement allowance based on your late spouse or civil partner's earnings.
Am I eligible for bereavement allowance?
These are the criteria for claiming bereavement allowance:
- You were aged 45 or over when your partner died
- You're under state pension age
- Your partner paid National Insurance contributions, or died in an industrial accident or disease
- You aren't raising children
- You haven't remarried/joined a civil partnership
- You aren't living with another person as if you're married/in a civil partnership with them
- You're not in prison
If you are raising children at the time of your partner's death, you can claim widowed parent's allowance.
The amount you can claim depends on how much your partner paid in National Insurance. The maximum is £108.30 a week. You can claim widowed parent's allowance until you stop receiving child benefit.
You can't claim widowed parent's allowance and bereavement allowance at the same time.
Go further: Applying for probate - learn how probate works and what you need to do
How to claim bereavement allowance
You can download a bereavement benefits pack (form BB1) from the Department for Work and Pensions (DWP) website. You can also order one of these packs from your nearest Jobcentre Plus centre.
Once you’ve filled in form BB1, return it to your local Jobcentre Plus. Claims are dated from when the office receives them and can only be backdated by upto three months, so if you delay, you might lose some benefit.
If you remarry or start living with someone, you will no longer qualify for bereavement allowance.
If your partner paid National Insurance contributions, their death was job-related, and you were under state pension age when they died, you may be eligible for a bereavement payment. This is a £2,000 tax-free lump sum.
You can't claim bereavement payment if you were divorced when they died, you’re living with someone else or you’re in prison. You claim the bereavement payment in the same way as the bereavement allowance.
Other bereavement payments
You may be able to claim funeral expenses from the Social Fund if you're claiming certain benefits like income support, pension credit, housing benefit or council tax benefit.
If your partner died serving in the armed forces, you may be eligible for the war widow's or war widower's pension. It is based on their pay. For more information on this, contact the Service Personnel and Veterans Agency.
Which Ltd is an Introducer Appointed Representative of Which? Financial Services Ltd, which is authorised and regulated by the Financial Conduct Authority. Which? Mortgage Advisers and Which? Money Compare are trading names of Which? Financial Services Limited. Your home may be repossessed if you do not keep up repayments on your mortgage.