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Nominated Cohabiting Partner
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I am not married or in a registered civil partnership but I do live with my partner. Will they be due to a pension when I die?
A pension will be payable to a nominated cohabiting partner. You can nominate your partner, of either opposite or same sex, to receive a survivor benefit upon your death provided you have scheme membership on or after 1 April 2008.
Before a nomination can be made, the following conditions must be satisfied by you and your nominated cohabiting partner for a continuous period of at least 2 years on the date you both sign the nomination form:
- both you and your cohabiting partner are, and have been, free to marry each other or enter into a civil partnership with each other, and
- you and your cohabiting partner have been living together as if you were husband and wife, or civil partners, and
- neither you nor your cohabiting partner have been living with someone else as if you/they were husband and wife or civil partners, and
- either your cohabiting partner is financially dependent on you or you are financially interdependent on each other.
A nomination is not valid if all of the above conditions have not been met for a continuous period of at least 2 years on the date you sign the form.
Your partner is financially dependent on you if you have the highest income and your partner relies on you to support your standard of living. Financially interdependent means that you rely on your joint finances to support your standard of living. It doesn't mean that you need to be contributing equally.
Upon your death we will have to verify that the conditions for nomination have been satisfied, for which we will require a statutory declaration from a solicitor. There would be a right of appeal if we decide not to pay a pension and your partner believes that he/she is entitled.
A nomination ceases to have effect if:
- either you or your nominated partner gives us written notice to cancel the nomination, or
- you make a subsequent valid nomination in favour of a new cohabiting partner, or
- either you or your nominated cohabiting partner marries, forms a civil partnership or lives with a third person as if they were husband and wife or as if they were civil partners, or
- your nominated partner dies before you.
To nominate your partner please request a Form 25. Completing and returning a form is important as we cannot pay a pension to a cohabiting partner if we do not have a valid nomination form. |
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