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The Guardian - UK
The Guardian - UK
Business
Harriet Meyer

Pensions: have you talked to your partner about retirement?

A couple look at a laptop
There are no longer state pension rates specifically for married couples. Photograph: 10’000 Hours/Getty Images

As part of a couple you may be used to arranging everyday finances jointly, but when it comes to long-term planning, do you know where you stand?

Pension planning tends to be something we do as individuals, but when one partner dies, it could have a big impact on the other’s finances. Cohabiting couples, in particular, can face a raw deal on private pension inheritance rights. Even if you’re married, or in a civil partnership, a partner may receive less than expected.

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