NHS pension question
Discussion
Sadly my mother passed away in August and we are now going through the probate etc, which is not the easy task I assumed!!
My question as stated in on her nhs pension which she started drawing 18 months ago after taking her tax free cash. I assumed nothing would be due to the estate as my mother didn't have a partner, however a customer service assistant from the nhs pension dept told me x 2 death in service would be due as she passed away within 5 years of crystallising the pension.
However after chasing the nhs they have now sent me a letter stating there isn't any death in service due. There does seam to be some confusion as I have read an nhs doc online stating that the death in service would be payable?
Would any of the ph pension experts be able to shed any light on this matter?
My question as stated in on her nhs pension which she started drawing 18 months ago after taking her tax free cash. I assumed nothing would be due to the estate as my mother didn't have a partner, however a customer service assistant from the nhs pension dept told me x 2 death in service would be due as she passed away within 5 years of crystallising the pension.
However after chasing the nhs they have now sent me a letter stating there isn't any death in service due. There does seam to be some confusion as I have read an nhs doc online stating that the death in service would be payable?
Would any of the ph pension experts be able to shed any light on this matter?
I'm sorry to hear of your loss.
I am assuming that your mother was a member of the 1995 or 2008 NHS staff scheme.
With regard to the pension entitlement, there isn't any death-in-service payment due as your mother had retired and was not in active service (a scheme member in employment) at her time of passing.
I think though that there may be a lump sum due, of the lower of: remainder of 5 years pension payments (from date of retirement) or, 2 years pay less any lump sum taken. This appears to be the same in the 1995 scheme and 2008 scheme. If your mother hasn't nominated a payee, this would be paid to her estate.
It would be worth following up with the pension scheme administrators.
I have worked, in an advisory capacity, mostly with private sector schemes rather than public although I have some familiarity with the PS.
If you don't have these to hand, here are the links to two documents that contain a summary of the death-in-retirement benefits:
http://www.nhsbsa.nhs.uk/Pensions/Documents/Pensio... (p30 -31)
http://www.nhsbsa.nhs.uk/Documents/Pensions/1995_S... (F2 & F5)
I am assuming that your mother was a member of the 1995 or 2008 NHS staff scheme.
With regard to the pension entitlement, there isn't any death-in-service payment due as your mother had retired and was not in active service (a scheme member in employment) at her time of passing.
I think though that there may be a lump sum due, of the lower of: remainder of 5 years pension payments (from date of retirement) or, 2 years pay less any lump sum taken. This appears to be the same in the 1995 scheme and 2008 scheme. If your mother hasn't nominated a payee, this would be paid to her estate.
It would be worth following up with the pension scheme administrators.
I have worked, in an advisory capacity, mostly with private sector schemes rather than public although I have some familiarity with the PS.
If you don't have these to hand, here are the links to two documents that contain a summary of the death-in-retirement benefits:
http://www.nhsbsa.nhs.uk/Pensions/Documents/Pensio... (p30 -31)
http://www.nhsbsa.nhs.uk/Documents/Pensions/1995_S... (F2 & F5)
DN,
I agree with all N2 says. I'm reasonably familiar with the provisions of the NHS Pension Scheme and I've independently dealt with several formal disputes about some of them.
If you continue to have difficulties you could contact The Pensions Advisory Service via www.pensionsadvisoryservice.org.uk and seek their help. Their services are entirely free.
R.
I agree with all N2 says. I'm reasonably familiar with the provisions of the NHS Pension Scheme and I've independently dealt with several formal disputes about some of them.
If you continue to have difficulties you could contact The Pensions Advisory Service via www.pensionsadvisoryservice.org.uk and seek their help. Their services are entirely free.
R.
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