Will my MIL continue to receive PIls pension for the rest of her life?

[Greatly]

I've asked my financial advisor but he's very slow - I've googled and can't find a definitive answer.

PIL died last year and MIL is now receiving his state pension as well as her own. Will that carry on for her lifetime?

Who is PIL? It's not an acronym I know? Do you mean her husband?

Are you sure it's not a widow's pension she's getting?

Is she definitely receiving it in her name? The state pension of her husband? Not just changed from 'married women's' one to single persons? Or his still into joint account?

PIL = parents in law. Do you mean FIL = father

State pension finishes when someone dies. My FIL cashed in MIL pension on day she died (she still received cash from Post Office), he had to pay it back. When my Dad died, I took a copy of death certificate to local job centre, they made a record on the system and kept death certificate. When FIL died the Registrar did the “tell them once” service, so that the pension service were informed directly of his death. Has your MIL informed the pension service of FIL death.

How old are/were they? Do you mean will your mil receive your late fil's state pension?

is it a workplace pension?
Assuming you mean FIL, there are different rules for different pensions. My mum now gets the (state) widow's pension, but she gets my father's military pension for the rest of her life. And another private pension they took out.

Assume you are talking about a non state pension.

I think it varies. For example I would get 50% of my DH's pension if he dies before me.

He had a choice when the pension was set up. It could have been nothing after his death and his pension would have been larger.

It will need checking with the pension provider.

It would be a work place pension I imagine. Some pay 50%to the spouse when.the claimant dies

My DM gets my DFs private pension but not his state pension. That stopped when he died.

Is MIL of an age where she paid the 'married women's stamp' as it was expected that she'd be entitled to FILs pension?

Have a look at: www.gov.uk/reduced-national-insurance-married-women to see if that is what you mean.

Alternatively, if you are talking about his workplace pension(s), that would depend on the terms of the scheme, but it is usual that it includes a spouse's pension. My DM gets a lifetime monthly income from DFs pension, even though he died a few years ago, but that could be because he was in a particular industrial scheme where it was proven that historical exposure to hazardous material contributed to his death, so it includes compensation for that.

After the above, if her income is below a certain level, she may be entitled to pension credit, which is a valuable top up, because even if the basic award is low, it is a gateway benefit that gives entitlement to extra help such as a free TV licence and higher levels of cost of living payouts.

Moneysaving Expert is good for signposting to benefit checks and other financial help for vulnerable people on low incomes.

Of course if MIL is in her late 60s and spent her working life as a high flying professional, with her own final salary pension, none of the above may apply, but it's always worth checking that your income is what it should be and you understand what the terms of receiving the money are, both now and when your circumstances change.

No, its definitely a state pension. Basic state pension. I have the paperwork from dwp

When my OH died his state pension, which he had not been receiving for long, ceased. However they did increase mine.

If MIL is still receiving his, then she needs to get on to them pdq or she will find herself with money t pay back.

She is in her 80s - so was PIL

www.gov.uk/new-state-pension/inheriting-or-increasing-state-pension-from-a-spouse-or-civil-partner

It looks like she might well get some or all of the additional state pension

They sent us a form to ask where to pay PiLs pension - also it says she should receive it on the government website. Don't worry I'll call the pension dept,but its legitimate - just wondered how long for

Yes - I know this - just wondered how long for.

If MIL is still receiving his, then she needs to get on to them pdq or she will find herself with money t pay back

Why do people state things like this as fact when they have no idea??

PiL usually stands for Parents in Law (plural) but you are using the acronym as if you are referring to a single individual, which is confusing.

A private pension can have a joint arrangement which will pay out the same whichever member of a couple dies first.

for state pensions, once you have established what she is actually entitled to she will have it for the rest of her life - though if she has to go into a nursing home the entire pension may go towards her fees there with only a small allowance if pocket money.

If there is no specified time limit, it could be that she will get it for life. Has MIL set up a government gateway account to see details of her own pension? It might say in there, especially if she has paid the married women's stamp and is therefore 'linked' to FIL as far as the state pension is concern.

On the matter of PIL/FIL it's not confusing at all, it was perfectly clear who the OP was talking about.

Yes, she has and yes she has paid the married woman's stamp.

Apologies for PiL instead of Fil.

Thanks for the correction.

I have said its a state pension if you read the thread.

You could ask www.moneyhelper.org.uk/en/pensions-and-retirement/pension-wise It's free and you can make an appointment for a one to one call with an advisor.
They don't give financial advice, but they do help you navigate the maze and explain things.

Can you not check directly with the pension provider? MIL gets a small amount, 25% I think. She was expecting the full amount.