NOMINATING COHABITING PARTNERS
Can I nominate my cohabiting partner to receive a pension when I die?
From 1 April 2008, members can nominate a cohabiting partner, of either the opposite or same sex to receive a survivor's pension on their death.
To be able to make a nomination, all of the following conditions must have applied to both 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 nominated cohabiting partner are, and have been, free to marry each other or enter into a civil partnership with each other, AND
- you and your nominated cohabiting partner have been living together as if you were husband and wife, or civil partners, AND
- neither you nor your nominated cohabiting partner have been living with someone else as if you/they were husband and wife or civil partners, AND
- either your nominated 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. 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. For example, if your partner's income is a lot more than yours, he or she may pay the mortgage and most of the bills and you may pay for the weekly shopping.
On your death the Fund will verify that the conditions for nomination have been satisfied, for example, a confirmation that you lived in a shared household with shared household spending, or that you had a bank account or mortgage in joint names. There would be a right of appeal if we decide not to pay a pension and your partner believes that he/she is entitled.
Completing and returning the nomination form is important as the Fund cannot pay a pension to a cohabiting partner without a valid nomination form.