Thousands of unmarried parents across the UK who have lost a partner could now be eligible for substantial backdated bereavement support payments. This significant change follows a Supreme Court ruling in 2022 and subsequent legislative amendments, which extend eligibility for Bereavement Support Payment (BSP) and its predecessor, Widowed Parent's Allowance (WPA), to cohabiting parents.
Previously, these vital financial support schemes were only available to individuals who were married or in a civil partnership with their deceased partner. The new rules mean that parents who were living with their partner as if they were married at the time of their death, and meet other qualifying conditions, can now apply for these benefits. The Department for Work and Pensions (DWP) has opened a 12-month window for retrospective claims, allowing eligible individuals to claim payments dating back to 30th August 2018.
The Bereavement Support Payment, introduced in April 2017, replaced WPA and Bereavement Allowance. It provides a lump sum payment followed by up to 18 monthly payments. For those with dependent children, the higher rate of BSP includes an initial payment of £3,500, followed by 18 monthly payments of £350. The lower rate is an initial £2,500 and 18 monthly payments of £100. For those claiming WPA, the amounts varied depending on National Insurance contributions and the number of children.
This policy shift addresses a long-standing inequality, as highlighted by organisations like Money Saving Expert, which has championed the cause of cohabiting partners. The original restriction was criticised for failing to recognise the diverse family structures in modern Britain and for disproportionately affecting children whose parents were not legally married. The DWP has confirmed that it will be contacting potentially eligible individuals where possible, but encourages anyone who believes they may qualify to check the criteria and apply.
The implications for many families could be profound, offering a financial lifeline during an incredibly difficult period of loss. Experts advise that potential claimants gather necessary documentation, such as proof of cohabitation and the birth certificates of their children, before applying. The window for retrospective claims is limited, emphasising the urgency for those who believe they are eligible to act promptly.