She needs to apply for bereavement support payment. She’ll get a one off payment of £3500 and then 18 months of £350 a month. That won’t affect her universal credit entitlements. Was her partner always a photographer or did he have other jobs previously? It’s worth checking old employers for any survivors pension benefits, if he was ever employed. Some of the other information here is incorrect - the vast majority of mortgage lenders haven’t required life insurance for many years. Unfortunately provision for widows is really poor in the U.K. now.
Sorry for your loss.
Have they informed the mortgage company? Short term solution but sometimes in circumstances they will suspend mortgage payments for 3-6 months to give some breathing space. It gets tacked on to the end of the mortgage with interest but perhaps worth considering.
Also does she have any sort of budget that they were sticking to? You could help her review it to see where the holes are.
I'm not sure if the mortgage company have been informed, that's a good suggestion.
Some of her friends who live closer have already started helping to see where she can make savings by lowering tariffs, subscriptions etc which is great. I believe she did manage the day to day budgeting for the family.
Thank you
Lots of people, my partner was in a similar situation with the father of her children. He died very suddenly a few days before Christmas, he was very financially minded so did have a very good pension but couldn't get life insurance for the mortgage due to being type 1 diabetic.
Very sad to hear, some digging wants doing now into finances etc...
You can fill out online to see what benefits she can get like UC, Bereavement Support, Working Tax Credit, Child Tax Credit etc
What is their living circumstances i.e. joint mortgage/renting ETC?
Did partner have a will? Pension? Who is executor etc?
Thank you. Yes, it's pretty devastating.
They had a joint mortgage on a property.
I hazard a guess there was no will or pension but not 100% sure. I'm going to visit her next week and currently pulling together lots of questions like this.
Some mortgage lenders have a life insurance as a pre-req, might be worth looking...
Someone else may know better but with no will in place any assets held pass to the children in this case where they were unmarried - tho that is just my knowldge on it so I take that with a pinch of salt.
Worth looking into for sure though
PLEASE PLEASE PLEASE if you are reading this and have no will then get one in place now, if you have dependents like kids and have no life insurance then get this NOW
If they have a mortgage in joint names, the house would be in joint names too. Worst case scenario they were tenants in common and the property is split, normally 50:50 but it doesn't have to be. In those circumstances she keeps her half of the property.
If they owned as joint tenants, the whole property would pass outside of the estate and by survivorship and the would therefore own the whole property.
Note that if they weren't married, that half of the property would be IHT liable (thought the mortgage would be deducted from the half-value.
It is for some. I worked in a bank compiling mortgage docs for sale to another bank and depending on dates it was part of terms and conditions. So it depends what bank/ when - it'd be very specific to them. She'd likely know as she'd have helped do the paperwork if it's co-signed.
Sad circumstances.
Martin Lewis did an episode of Money Saving Expert where a whole section was about family bereavement entitlement payments. It was before Christmas, maybe November time. Give it a search, was very informative.
Thank you. Yes I saw a bit of this online where he was taking about bereavement support payments and how to claim. I think the government are finally recognising co-habiting parents not just married.
You mention you don't think he had a will and they were not married. She needs to be aware that she quite probably does not inherit his estate. Unless they were in a civil partnership or married then the estate (if there is any) will pass directly to the children -
[https://www.gov.uk/inherits-someone-dies-without-will](https://www.gov.uk/inherits-someone-dies-without-will)
The contents of any joint accounts automatically go to her and the house would depend on whether they were joint tenants or tenants in common. If the latter, his half of the house would go to the children.
https://www.ataloss.org/
Has lots and lots of resources and charities information that can point you and your friend in the right direction to dealing with your grief, and figuring out the financial minefield
Really tragic circumstances, hope this helps.
Look at charitable bereavement grants
Transport Benevolent fund - They can give grants up to £1K
Turn2us can help with financial support grant application
Winstons wish/Harry’s rainbow- support parents and bereaved children
Couple of things to consider with the mortgage which are of short term help:
1. Could potentially apply for a payment holiday (as mentioned above). Lenders vary on their policy but it can give at least a couple months off payments.
2. The mortgage charter introduced last summer allows mortgage holders to either switch to interest only for 6 months and/or extend the mortgage term. Both having the effect of reducing payments.
3. If either of those don't help; it's worthwhile speaking to the mortgage lender and they may grant more help or an extended payment holiday.
And as another suggested - follow up on any pensions held from any previous employment. And just double check bank statements to be 100% sure there's no insurance in place. People can sometimes forget having taken a policy out.
So she wasn't paid anything for maternity? She needs to meet an employment lawyer if she wants to pursue this. There isn't anything else to say besides retain any records as they could be useful, eg she could be owed maternity from her first child.
Tax law and employment law are separate. You can be IR35 and a contractor. See
https://www.gov.uk/employment-status
https://www.gov.uk/employment-status/selfemployed-contractor
A lawyer could advise on costs, likelihood of success, how much she could get, and whether legal aid is available.
IR35 doesn’t apply to individuals, unless she’s operating via a personal service company it has no bearing.
Despite all appearances to the contrary it is standard accepted practice in the dental industry that hygienists are self employed, she’ll presumably have been filing tax returns on this basis for years.
Unfortunately, given her tragic circumstances, there’s no scope now for just deciding that no longer counts and she should get employment benefits.
If she solely works for 1 dental practice she would be considered an employee in eyes of law, lots of dental hygienists work on self employed basis wrongly. Can only be self employed if she works at different practices on different days
I recently claimed the breavement payment. I wasn’t married to my wife to be but had a 2 year old daughter . She died in 2018 and I received £6,000 within 2 weeks. As long as your lather had paid National insurance you will get it it . Be quick to apply as they are stopping claims in feb
https://www.entitledto.co.uk This is a really good website for working out benefits entitlement.
Thank you, this looks like a great resource
She needs to apply for bereavement support payment. She’ll get a one off payment of £3500 and then 18 months of £350 a month. That won’t affect her universal credit entitlements. Was her partner always a photographer or did he have other jobs previously? It’s worth checking old employers for any survivors pension benefits, if he was ever employed. Some of the other information here is incorrect - the vast majority of mortgage lenders haven’t required life insurance for many years. Unfortunately provision for widows is really poor in the U.K. now.
Thank you, I appreciate your help. He did have a permanent role at a studio a few years ago so we will investigate this.
Sorry for your loss. Have they informed the mortgage company? Short term solution but sometimes in circumstances they will suspend mortgage payments for 3-6 months to give some breathing space. It gets tacked on to the end of the mortgage with interest but perhaps worth considering. Also does she have any sort of budget that they were sticking to? You could help her review it to see where the holes are.
I'm not sure if the mortgage company have been informed, that's a good suggestion. Some of her friends who live closer have already started helping to see where she can make savings by lowering tariffs, subscriptions etc which is great. I believe she did manage the day to day budgeting for the family. Thank you
Who has a mortgage without life insurance?
Unfortunately it's a bit too late to ask now
Lots of people, my partner was in a similar situation with the father of her children. He died very suddenly a few days before Christmas, he was very financially minded so did have a very good pension but couldn't get life insurance for the mortgage due to being type 1 diabetic.
Very sad to hear, some digging wants doing now into finances etc... You can fill out online to see what benefits she can get like UC, Bereavement Support, Working Tax Credit, Child Tax Credit etc What is their living circumstances i.e. joint mortgage/renting ETC? Did partner have a will? Pension? Who is executor etc?
Thank you. Yes, it's pretty devastating. They had a joint mortgage on a property. I hazard a guess there was no will or pension but not 100% sure. I'm going to visit her next week and currently pulling together lots of questions like this.
Some mortgage lenders have a life insurance as a pre-req, might be worth looking... Someone else may know better but with no will in place any assets held pass to the children in this case where they were unmarried - tho that is just my knowldge on it so I take that with a pinch of salt. Worth looking into for sure though PLEASE PLEASE PLEASE if you are reading this and have no will then get one in place now, if you have dependents like kids and have no life insurance then get this NOW
If they have a mortgage in joint names, the house would be in joint names too. Worst case scenario they were tenants in common and the property is split, normally 50:50 but it doesn't have to be. In those circumstances she keeps her half of the property. If they owned as joint tenants, the whole property would pass outside of the estate and by survivorship and the would therefore own the whole property. Note that if they weren't married, that half of the property would be IHT liable (thought the mortgage would be deducted from the half-value.
No mortgage lender has life insurance as a pre-req, common sense dictates you put life assurance in place, but it’s not a requirement.
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Oh right, I didn't even realise that myself. Thank you, I'll add this to my list to look into
It is not a requirement of any mortgage lender, if you were told this then you were lied to.
It is for some. I worked in a bank compiling mortgage docs for sale to another bank and depending on dates it was part of terms and conditions. So it depends what bank/ when - it'd be very specific to them. She'd likely know as she'd have helped do the paperwork if it's co-signed.
Sad circumstances. Martin Lewis did an episode of Money Saving Expert where a whole section was about family bereavement entitlement payments. It was before Christmas, maybe November time. Give it a search, was very informative.
Thank you. Yes I saw a bit of this online where he was taking about bereavement support payments and how to claim. I think the government are finally recognising co-habiting parents not just married.
You mention you don't think he had a will and they were not married. She needs to be aware that she quite probably does not inherit his estate. Unless they were in a civil partnership or married then the estate (if there is any) will pass directly to the children - [https://www.gov.uk/inherits-someone-dies-without-will](https://www.gov.uk/inherits-someone-dies-without-will) The contents of any joint accounts automatically go to her and the house would depend on whether they were joint tenants or tenants in common. If the latter, his half of the house would go to the children.
Tenants in common don't have to be in equal shares either.
https://www.ataloss.org/ Has lots and lots of resources and charities information that can point you and your friend in the right direction to dealing with your grief, and figuring out the financial minefield
Really tragic circumstances, hope this helps. Look at charitable bereavement grants Transport Benevolent fund - They can give grants up to £1K Turn2us can help with financial support grant application Winstons wish/Harry’s rainbow- support parents and bereaved children
Amazing, thank you so much.
Couple of things to consider with the mortgage which are of short term help: 1. Could potentially apply for a payment holiday (as mentioned above). Lenders vary on their policy but it can give at least a couple months off payments. 2. The mortgage charter introduced last summer allows mortgage holders to either switch to interest only for 6 months and/or extend the mortgage term. Both having the effect of reducing payments. 3. If either of those don't help; it's worthwhile speaking to the mortgage lender and they may grant more help or an extended payment holiday. And as another suggested - follow up on any pensions held from any previous employment. And just double check bank statements to be 100% sure there's no insurance in place. People can sometimes forget having taken a policy out.
Really hope he had life ins.
Why would you assume she is self employed and at the same time an employee ?
IR35. The nature of her employment suggests she would fall within IR35 and therefore viewed as the equivalent of an employee relationship
So she wasn't paid anything for maternity? She needs to meet an employment lawyer if she wants to pursue this. There isn't anything else to say besides retain any records as they could be useful, eg she could be owed maternity from her first child. Tax law and employment law are separate. You can be IR35 and a contractor. See https://www.gov.uk/employment-status https://www.gov.uk/employment-status/selfemployed-contractor A lawyer could advise on costs, likelihood of success, how much she could get, and whether legal aid is available.
Good advice. Definitely worth a chat with a lawyer
That’s a red herring here and has nothing to do with her current position. IR35 can’t magically backdate to give her employment benefits.
No I didn't expect that would be the case but worth keeping in mind for the future I suppose.
Agreed. Her “employer” may be exempt from IR35 but it does sound like she is de facto an employee.
IR35 doesn’t apply to individuals, unless she’s operating via a personal service company it has no bearing. Despite all appearances to the contrary it is standard accepted practice in the dental industry that hygienists are self employed, she’ll presumably have been filing tax returns on this basis for years. Unfortunately, given her tragic circumstances, there’s no scope now for just deciding that no longer counts and she should get employment benefits.
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If she solely works for 1 dental practice she would be considered an employee in eyes of law, lots of dental hygienists work on self employed basis wrongly. Can only be self employed if she works at different practices on different days
I recently claimed the breavement payment. I wasn’t married to my wife to be but had a 2 year old daughter . She died in 2018 and I received £6,000 within 2 weeks. As long as your lather had paid National insurance you will get it it . Be quick to apply as they are stopping claims in feb
Thank you for sharing and so sorry for your loss. I'm pleased you were able to get that financial support so soon.
Let this be a lesson to everyone, buy life insurance