Remarriage ; Advice Needed .

Subject: Remarriage ; Advice Needed .
From: bubblyrat
Date: 05 Sep 14 - 09:55 AM

Is there anyone out there who can tell me whether or not my partner and I would lose any money from our State Pensions if we married ?? We live in England, and I am 67 and she is 70.She is TERRIFIED that she will have her pension reduced if we get married !!!

Thanks ! Roger & Nicola

Subject: RE: Remarriage ; Advice Needed .
From: Mo the caller
Date: 05 Sep 14 - 10:40 AM

I'm not sure if this makes a difference, but is her pension based on her own contributions, in which case I guess it would stay the same? If it's inherited or topped up from a previous partner's contributions then maybe it would be based on yours instead. Here you are, you figure it out. There's a freephone number 0800 731 7898 so why not talk to them - you can hide your phone number if you don't want them to know who is speaking.
Of course if your pension comes from a different State, then I have no idea at all.

Subject: RE: Remarriage ; Advice Needed .
From: Q (Frank Staplin)
Date: 05 Sep 14 - 01:57 PM

Seek advice from a lawyer, or knowledgeable tax consultant. Don't look here.

Subject: RE: Remarriage ; Advice Needed .
From: GUEST
Date: 05 Sep 14 - 05:04 PM

You NEED to seek legal advice.....,

Richard Bridge is a mudcat poster for over a decade.

Subject: RE: Remarriage ; Advice Needed .
From: Backwoodsman
Date: 06 Sep 14 - 03:28 AM

He's a copyright lawyer, not a pensions/taxation specialist.

Try here for relevant advice.

Subject: RE: Remarriage ; Advice Needed .
From: Mr Red
Date: 06 Sep 14 - 03:44 AM

As I remember it - some UK pensions have clauses about monies inherited from a first spouse's pension. Seeking advice is the best solution.

Another more prosaic solution is to opt for a "Hand Fasting" rather than any civil binding ( with legal consequences ). If there are issues with ownership of property they can be addressed outside of the "ceremony". It is a solution if there are no religious or family obstacles to it.

Either way the Mudcat will congratulate you. Let me be the first.

Subject: RE: Remarriage ; Advice Needed .
From: Backwoodsman
Date: 06 Sep 14 - 05:45 AM

Bubblyrat is asking about the State Pension, not occupational or private pensions.
The site I linked to above, or www.gov.uk should have all the answers. Alternatively, speak to the CAB. All of these services are free.

Subject: RE: Remarriage ; Advice Needed .
From: bubblyrat
Date: 06 Sep 14 - 08:50 AM

Well, thanks everybody ,especially Mo ! I 'phoned that number (0800) and spoke (we both did !) to an advisor ,and it appears that Nicky won't lose any of the "inherited" pension from her late husband.So now we are looking for venues ; Stanway and Postlip are both nice,but we are not THAT well off ! Might have to say our vows AND have a reception on board MV Conway Castle on the river Severn ; maybe at Upton Folk Festival ? At least we'd be guarantees a crowd & some music / dancing (Mr Red !).

Subject: RE: Remarriage ; Advice Needed .
From: Mo the caller
Date: 06 Sep 14 - 08:54 AM

That link seems a bit more helpful than the .gov.uk that I linked to.
It say this about your partner being able to inherit your contributions record to top up a pension
"If you die while they are under state pension age, they will lose this right if they remarry or enter into a new civil partnership before they reach state pension age."
And this about a divorced partner
"You may be able to use the national insurance contribution record of your ex-spouse or ex-civil partner to help increase your basic state pension if you are divorced or if you have dissolved your civil partnership.

This won't affect your ex-spouse or ex-partner's basic state pension. If you remarry or form a new civil partnership before you reach state pension age, you lose this right. "

From these I would guess that since you are both already claiming State Pension your pension will not be affected.

But don't take my guess - ring that freephone number and find out.

Subject: RE: Remarriage ; Advice Needed .
From: Roger the Skiffler
Date: 06 Sep 14 - 11:10 AM

There was a piece in the paper about the pension for a police officer who died on duty being removed from his widow if she remarried. Depends on the terms of the pension scheme, I guess. I don't think the state pension (such as it is)would change.

RtS
NOT an expert

Subject: RE: Remarriage ; Advice Needed .
From: Mo the caller
Date: 07 Sep 14 - 07:15 AM

My daughter had a register office wedding followed by a meal for immediate family on a canal boat . We had an interesting view of Chester, a pleasant meal that didn't break the bank. And then a barn dance the following evening. Quite a weekend.
Hope you enjoy your day too.

Subject: RE: Remarriage ; Advice Needed .
From: bubblyrat
Date: 07 Sep 14 - 02:05 PM

I rejoice to hear it ! Perhaps the Register Office in Tewkesbury or Upton (if there is one !) followed by a boat -trip ; our own narrow -boat is only 30 ft long,so not big enough ; MV Conway Castle however is licensed for 250 !! Food for thought .....

Subject: RE: Remarriage ; Advice Needed .
From: Mr Red
Date: 08 Sep 14 - 03:25 AM

I thought there was a smaller boat at the last Upton FF as well as the Conway Castle. I would have a word with Richard Hannah and see if there is any way you could use an existing boat trip and buy tickets (?).
PM me if you need an e-mail address. Or go on the website.
There is definitely a register (or it might be a registry there) office in Malvern. Doubt Upton.
Dancing? Just give me the nod & I will pick up the beat!

errrr Tweeksburg - not.
Open: Tuesday and Thursday from 9.30am to 12.30am (by appointment only). There is no facility for ceremonies at Tewkesbury Borough Council Offices. but:
Worcestershire Register Offices try Worcester, Pershore or Malvern.

Subject: RE: Remarriage ; Advice Needed .
From: bubblyrat
Date: 08 Sep 14 - 07:40 AM

Great stuff, Meneer Rood ; you are definitely invited , as of course is Mevrouw Rood ! We are going to Upton tomorrow and will pop into the Pepper Pot and ask about "wedding venues" ; I must say, speaking as an impoverished OAP ,that the economics of a 2-hour fish -and-chip cruise on the Severn with the bar open is more viable than hiring Stanway House or Croome !!

Subject: RE: Remarriage ; Advice Needed .
From: maeve
Date: 08 Sep 14 - 08:45 AM

Best wishes to you and your lady, bubblyrat. I trust your nuptials will go swimmingly.

Maeve

Subject: RE: Remarriage ; Advice Needed .
From: Noreen
Date: 08 Sep 14 - 05:42 PM

Swimmingly, off the river boat, Maeve?!
Fish and chip reception sounds good to me, m'dear!
Much joy to you both ��

Subject: RE: Remarriage ; Advice Needed .
From: maeve
Date: 08 Sep 14 - 08:12 PM

I couldn't resist, Noreen.

I do truly wish you both well and happy, bubblyrat!

Maeve