I thought that when you died, your pension 'died' with you.
Chris's link has got me wondering (I did read it but couldn't understand it) - my husband and I are both in our early 60s with health problems and we're not old enough yet to draw the State Pension (but not far off).
We both have a full National Insurance record (over 35 years' contributions). When one of us dies, will the survivor be entitled to a percentage of the deceased's pension?
A relative died a year ago, he was just under the State Pension age, and we assumed his pension contributions 'died' with him. But he didn't have a partner/wife.
(Sorry to hijack your question, Slogger).