Eligible cohabiting partner
An eligible cohabiting partner is a partner you are living with who, at the date of your death, was free to marry or enter into a civil partnership with you and has met all of these conditions for a continuous period of at least two years:
- you and your cohabiting partner have been living together as if you were a married couple or civil partners, and
- neither you nor your cohabiting partner has been living with someone else as if you / they were a married couple or civil partners, and
- either your cohabiting partner is and has been dependent on you, or you are and have been financially interdependent on each other.
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 more than yours, he or she may pay the mortgage and most of the bills and you may pay for the weekly shopping.
When you die, a survivor’s pension would be paid to your cohabiting partner if your partner satisfies the pension fund that:
- you were free to marry or enter into a civil partnership with each other on the date of death, and
- all the other conditions were met for a continuous period of at least two years immediately before your death.
You are not required to complete a form to nominate your cohabiting partner. However, you can provide your cohabiting partner’s details to your pension fund. Contact your pension fund to see if they have a form you can use to do this.
A pension will only be paid to your eligible cohabiting partner if you paid into the LGPS after 31 March 2009.