The Civil Partnership (Contracted-out Occupational and Appropriate Personal Pension Schemes) (Surviving Civil Partners) Order (Northern Ireland) 2005
Citation, commencement and interpretation1.
(1)
This Order may be cited as the Civil Partnership (Contracted-out Occupational and Appropriate Personal Pension Schemes) (Surviving Civil Partners) Order (Northern Ireland) 2005.
(2)
In this Order—
(a)
(b)
(c)
on 10th November 2005.
(3)
Subject to paragraph (2), this Order shall come into operation on 5th December 2005.
(4)
Amendment of legislation2.
(1)
Schedule 1, which contains amendments of provisions of the Pension Schemes Act which relate to contracted-out occupational and appropriate personal pension schemes, extending those provisions to surviving civil partners, shall have effect.
(2)
Schedule 2, which contains amendments of provisions of Regulations which relate to contracted-out occupational and appropriate personal pension schemes, extending those provisions to surviving civil partners, shall have effect.
Sealed with the Official Seal of the Department for Social Development on 29th September 2005.
SCHEDULE 1Amendments of the Pension Schemes Act relating to contracted-out occupational and appropriate personal pension schemes, extending those provisions to surviving civil partners
1.
The Pension Schemes Act is amended in accordance with paragraphs 2 to 24.
2.
In section 4(2) (meaning of “contracted-out employment”, “guaranteed minimum pension” and “minimum payment”), in the definition of “guaranteed minimum pension”, for “widow’s or widower's” there shall be substituted “widow's, widower’s or surviving civil partner's”.
3.
4.
5.
In section 13 (minimum pensions for widows and widowers)—
(a)
in subsection (1) for “widow or widower”, in each place where it occurs, there shall be substituted “widow, widower or surviving civil partner”;
(b)
“(c)
if the earner is a person who has a guaranteed minimum under that section, the weekly rate of the surviving civil partner’s pension will not be less than the surviving civil partner’s guaranteed minimum.”;
(c)
in subsection (4) after “widower's” there shall be inserted “or surviving civil partner's”;
(d)
(i)
at the beginning there shall be inserted “Subject to subsection (4B)”;
(ii)
for “widow or widower's” there shall be substituted “widow's, widower’s or surviving civil partner's”;
(iii)
for “widow or widower”, in each place where it occurs (other than paragraph (c)(i) and (ii)), there shall be substituted “widow, widower or surviving civil partner”;
(iv)
“(i)
comprises a period during which the widow, widower or surviving civil partner and—
(a)
a person of the opposite sex are living together as husband and wife, or
(b)
a person of the same sex are living together as if they were civil partners, nor
(ii)
falls after the time of any—
(a)
marriage, or
(b)
formation of a civil partnership,
by the widow or widower or surviving civil partner which takes place after the earner’s death.”;
(e)
“(4B)
Sub-paragraphs (i)(b) and (ii)(b) of subsection (4A)(c) do not apply where the earner dies before 5th December 2005.”;
(f)
(g)
(h)
“(9)
For the purposes of subsection (4A), two people of the same sex are to be regarded as living together as if they were civil partners if, but only if, they would be regarded as living together as husband and wife were they instead two people of the opposite sex.”.
6.
In section 15(5)(a)(i) and (ii) (discharge of liability where guaranteed minimum pensions secured by insurance policies or annuity contracts) for “widow or widower” there shall be substituted “widow, widower or surviving civil partner”.
7.
In section 16(6) (transfer of accrued rights) for “widow or widower” there shall be substituted “widow, widower or surviving civil partner”.
8.
In section 17(2) (commutation, surrender and forfeiture) for “widow’s or widower's” there shall be substituted “widow's, widower’s or surviving civil partner's”.
9.
F110.
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
F111.
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
F112.
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
13.
14.
In section 34(2) (alteration of rules of appropriate schemes)—
(a)
after “apply” there shall be inserted “(a)”, and
(b)
“; or
(b)
where the rules of the relevant scheme are altered to make provision for pensions for surviving civil partners”.
15.
(a)
in subsection (1) after “widower” there shall be inserted “or surviving civil partner”;
(b)
in subsection (3)—
(i)
for “widow or widower”, in each place where it occurs, there shall be substituted “widow, widower or surviving civil partner”, and
(ii)
for “widow’s or widower's” there shall be substituted “widow's, widower’s or surviving civil partner's”.
16.
17.
18.
In section 83 (general protection principle)—
(a)
in subsection (2)(c) for “widow or widower, the widow’s or, as the case may be, the widower's” there shall be substituted “widow, widower or surviving civil partner, the widow's, widower’s or surviving civil partner’s (as the case may be)”;
(b)
in subsection (3) for “widow or widower” there shall be substituted “widow, widower or surviving civil partner”;
(c)
in subsections (3)(a) and (4)(d) for “widow’s or widower's” there shall be substituted “widow's, widower’s or surviving civil partner's”.
19.
In section 84(1)(b) (the relevant sum) for “widow or widower” there shall be substituted “widow, widower or surviving civil partner”.
20.
In section 85(1)(a) and (b) and (2)(b) (the appropriate addition) for “widow’s or widower's” there shall be substituted “widow's, widower’s or surviving civil partner's”.
21.
In section 86(2)(a) and (b) (the later earnings addition) for “widow’s or widower's” there shall be substituted “widow's, widower’s or surviving civil partner's”.
22.
In section 105(1)(b) (annual increase of guaranteed minimum pensions) for “widows and widowers” there shall be substituted “widows, widowers and surviving civil partners”.
23.
24.
(1)
(2)
SCHEDULE 2Amendments of provisions of Regulations relating to contracted-out occupational and appropriate personal pension schemes, extending those provisions to surviving civil partners
PART 1
Amendment of the Personal and Occupational Pension Schemes (Abatement of Benefit) Regulations
1.
2.
(a)
in the heading for “widow or widower” there shall be substituted “widow, widower or surviving civil partner”;
(b)
for “widow or widower”, in each place where it occurs, there shall be substituted “widow, widower or surviving civil partner”, and
(c)
in paragraph (2) after “widower” there shall be inserted “or surviving civil partner”.
3.
(a)
in the heading for “widow or widower” there shall be substituted “widow, widower or surviving civil partner”;
(b)
for “widow or widower”, in each place where it occurs, there shall be substituted “widow, widower or surviving civil partner”, and
(c)
in paragraph (2) after “widower” there shall be inserted “or surviving civil partner”.
PART 2
Amendment of the Contracting-out (Protection of Pensions) Regulations
4.
5.
In regulation 2(1) (hybrid benefits) for “widow or widower” there shall be substituted “widow, widower or surviving civil partner”.
6.
(a)
in the heading for “widows and widowers” there shall be substituted “widows, widowers and surviving civil partners”, and
(b)
for “widow or widower”, in each place where it occurs, there shall be substituted “widow, widower or surviving civil partner”.
7.
(a)
in the heading for “widows and widowers” there shall be substituted “widows, widowers and surviving civil partners”, and
(b)
in paragraph (2)—
(i)
for “widow or widower” (in the first place where it occurs) there shall be substituted “widow, widower or surviving civil partner”, and
(ii)
in sub-paragraph (a) after “widow or widower” there shall be inserted “or being then a civil partner of the surviving civil partner”.
8.
In regulation 8(1) (the later earnings addition) for “widow or widower” there shall be substituted “widow, widower or surviving civil partner”.
PART 3
Amendment of the Occupational Pension Schemes (Discharge of Protected Rights on Winding Up) Regulations
9.
PART 4
Amendment of the Occupational Pension Schemes (Contracting-out) Regulations
10.
11.
“(1A)
For the purposes of these Regulations, two people of the same sex are to be regarded as living together as if they were civil partners if, but only if, they would be regarded as living together as husband and wife were they instead two people of the opposite sex.”.
F212.
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
13.
In regulation 23(b) (requirements for meeting the statutory standard) for “widows or widowers”, in each place where it occurs, there shall be substituted “widows, widowers or surviving civil partners”.
14.
“Reference scheme: circumstances in which widows', widowers' or surviving civil partners' pensions need not be payable26.
(1)
For the purposes of section 8B(4)(a)35 of the Act (reference scheme to provide widows', widowers' and surviving civil partners' pensions except in prescribed circumstances), and subject to paragraph (2), the prescribed circumstances are where—(a)
the scheme member marries or forms a civil partnership after having received benefits under the scheme;
(b)
the widow, widower or surviving civil partner of the scheme member—
(i)
remarries or, as the case may be, marries;
(ii)
forms a civil partnership or, as the case may be, forms a subsequent civil partnership;
(iii)
lives together as husband and wife with another person to whom he or she is not married, or
(iv)
lives together with a person of the same sex as if they were civil partners,
after having received benefits under the scheme;
(c)
the widow, widower or surviving civil partner of the scheme member is at the time of the member’s death—
(i)
living together as husband and wife with another person to whom he or she is not married, or
(ii)
living together with a person of the same sex as if they were civil partners.
(2)
Paragraph (1)(b)(ii) and (iv) and (c)(ii) does not apply where the scheme member dies before 5th December 2005.”.
15.
16.
F317.
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
F318.
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
F319.
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
F320.
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
F321.
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
F322.
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
F323.
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
PART 5
Amendment of the Protected Rights (Transfer Payment) Regulations
24.
PART 6
Amendment of the Contracting-out (Transfer and Transfer Payment) Regulations
25.
PART 7
Amendment of the Personal and Occupational Pension Schemes (Protected Rights) Regulations
26.
27.
““marital or civil partnership status”, in relation to a person, means whether that person has previously formed a marriage or a civil partnership and, if so, whether that marriage or civil partnership has ended;”.
28.
In regulation 4 (conditions applying to pensions and annuities which give effect to protected rights)—
(a)
(i)
for “an unmarried member” there shall be substituted “a member who is neither married nor a civil partner”, and
(ii)
for “widow or widower” there shall be substituted “widow, widower or surviving civil partner”, and
(b)
in paragraph (9)(a) for “widow or widower” there shall be substituted “widow, widower or surviving civil partner”.
29.
(a)
in the heading for “widow or widower” there shall be substituted “widow, widower or surviving civil partner”;
(b)
in paragraph (1)(b) for “widow’s or widower's” there shall be substituted “widow's, widower’s or surviving civil partner's”, and
(c)
“(2)
There is excluded from the period prescribed in paragraph (1)(b) any period after—
(a)
the widow’s or widower’s remarriage or the surviving civil partner’s marriage under pensionable age, or
(b)
subject to paragraph (3), the widow’s or widower’s formation of a civil partnership, or the surviving civil partner’s formation of a subsequent civil partnership under pensionable age.
(3)
Paragraph (2)(b) does not apply where the member dies before 5th December 2005.”.
30.
In regulation 6(c) (interim arrangements)—
(a)
for “an unmarried member” there shall be substituted “a member who is neither married nor a civil partner”, and
(b)
for “widow or widower”, in each place where it occurs, there shall be substituted “widow, widower or surviving civil partner”.
31.
32.
(a)
in paragraph (2), in each place where it occurs, and paragraphs (3), (5), (9), (11)(a), (12), (13) and (14), for “widow or widower” there shall be substituted “widow, widower or surviving civil partner”;
(b)
“(b)
in the case of a widow or widower, remarries or, in the case of a surviving civil partner, marries while under pensionable age, or
(c)
subject to paragraph (15), in the case of a widow or widower, forms a civil partnership or, in the case of a surviving civil partner, forms a subsequent civil partnership while under pensionable age.”;
(c)
“(b)
in the case of a widow or widower, remarried or, in the case of a surviving civil partner, married while under pensionable age, or
(c)
subject to paragraph (15), in the case of a widow or widower, formed a civil partnership or, in the case of a surviving civil partner, formed a subsequent civil partnership while under pensionable age.”, and
(d)
“(15)
Paragraphs (5)(c) and (9)(c) do not apply where the member dies before 5th December 2005.”.
33.
(a)
in the heading for “widow or widower” there shall be substituted “widow, widower or surviving civil partner”;
(b)
in paragraph (1) for “widow or widower”, in each place where it occurs, there shall be substituted “widow, widower or surviving civil partner”, and
(c)
in paragraph (2)(a)(ii) for “widow or widower” there shall be substituted “widow, widower or surviving civil partner”.
34.
In regulation 14 (enforceable entitlement after death of member) after “widower” there shall be inserted “, surviving civil partner”.
35.
In regulation 15 (further requirements in respect of giving effect to protected rights) after “marital” there shall be inserted “or civil partnership”.
PART 8
Amendment of the Occupational Pension Schemes (Modification of Schemes) Regulations
F436.
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
PART 9
Amendment of the Personal Pension Schemes (Appropriate Schemes) Regulations
37.
PART 10
Amendment of the Occupational Pension Schemes (Discharge of Liability) Regulations
38.
39.
“(1A)
For the purposes of these Regulations, two people of the same sex are to be regarded as living together as if they were civil partners if, but only if, they would be regarded as living together as husband and wife were they instead two people of the opposite sex.”.
40.
In regulation 3(a) (conditions on which policies of insurance and annuity contracts may be assigned or surrendered) for “widow or widower” there shall be substituted “widow, widower or surviving civil partner”.
41.
In regulation 4 (conditions on which policies of insurance and annuity contracts may be commuted)—
(a)
in paragraph (1)(a)(i) for “or widower” there shall be substituted “, widower or surviving civil partner”, and
(b)
in paragraph (2) for “widow’s or widower's” there shall be substituted “widow's, widower’s or surviving civil partner's”.
42.
In regulation 6 (further conditions on which liability may be discharged)—
(a)
in paragraph (2)(a) for “or widower” there shall be substituted “, widower or surviving civil partner”, and
(b)
in paragraph (5) for “widow or widower”, in each place where it occurs, there shall be substituted “widow, widower or surviving civil partner”.
43.
In regulation 9(2) (circumstances in which liability to provide pensions under a relevant scheme may be discharged) for “widow or widower, or if there is no such widow or widower” there shall be substituted “widow, widower or surviving civil partner or, if there is no such person”.
44.
In regulation 11 (conditions on which liability to provide pensions under a relevant scheme may be discharged)—
(a)
(i)
in sub-paragraphs (a) and (b) for “widow or widower” there shall be substituted “widow, widower or surviving civil partner”;
(ii)
in sub-paragraph (b) omit “and (c)”;
(b)
“(4)
Subject to paragraph (7), the circumstances referred to in paragraph (3) are—
(a)
the beneficiary marries or forms a civil partnership after having received benefits under the policy or contract;
(b)
the widow, widower or surviving civil partner of the beneficiary—
(i)
remarries or, as the case may be, marries;
(ii)
forms a civil partnership or, as the case may be, forms a subsequent civil partnership;
(iii)
lives together as husband and wife with another person to whom he or she is not married;
(iv)
lives together with a person of the same sex as if they were civil partners, or
(v)
at the time of the beneficiary’s death—
(a)
is living together as husband and wife with another person to whom he or she is not married, or
(b)
is living together with a person of the same sex as if they were civil partners.”;
(c)
“(7)
Paragraph (4)(b)(ii), (iv) and (v)(b) does not apply where the beneficiary dies before 5th December 2005.”.
45.
In Schedule 1 (form of consent to arrangement for securing benefit) after “widower”, in each place where it occurs, there shall be inserted “/surviving civil partner”.
This Order amends the Pension Schemes (Northern Ireland) Act 1993 (“the 1993 Act”) and subordinate legislation, making provision for surviving civil partners to receive pensions under contracted-out occupational and appropriate personal pension schemes.
Article 1 provides for citation, commencement and interpretation.
Article 2 introduces Schedule 1, containing amendments of the 1993 Act, and Schedule 2, containing amendments of provisions of Regulations.
Schedule 1 amends provisions of the 1993 Act to extend to surviving civil partners existing contracting-out requirements to provide survivor benefits to widows and widowers.
Paragraphs 2 to 4, 6 to 13 and 15 to 23 extend provisions in respect of widows and widowers in the 1993 Act to surviving civil partners.
Paragraph 5 amends section 13 of the 1993 Act, to extend to surviving civil partners the provisions in relation to guaranteed minimum pensions for widows and widowers so that surviving civil partners are treated in the same way as widowers. It also extends the circumstances where pensions to survivors need not be paid. These extended circumstances are subject to a transitional provision which ensures that they do not apply to survivors of scheme members where the member dies before the civil partnership provisions come into force.
Paragraph 14 amends section 34(2) of the 1993 Act to extend its scope to allow appropriate schemes to alter their rules to make provision for survivor benefits for civil partners.
Paragraph 24 amends section 165(1)(c) of the 1993 Act in relation to the determination of certain questions. Section 165 was amended by the Social Security (Northern Ireland) Order 1998 but those amendments have not yet been brought into operation (except for the purpose of making regulations). Accordingly it is the version of section 165(1)(c) prior to those amendments that has been amended.
Schedule 2 amends Regulations relating to contracting-out by extending to surviving civil partners existing provisions relating to widows and widowers. Where existing provisions apply only to widowers, they are extended to apply to surviving civil partners. Each Part of Schedule 2 amends a separate set of Regulations—
Part 1 amends the Personal and Occupational Pension Schemes (Abatement of Benefit) Regulations (Northern Ireland) 1987;
Part 2 amends the Contracting-out (Protection of Pensions) Regulations (Northern Ireland) 1991;
Part 3 amends the Occupational Pension Schemes (Discharge of Protected Rights on Winding Up) Regulations (Northern Ireland) 1996;
Part 4 amends the Occupational Pension Schemes (Contracting-out) Regulations (Northern Ireland) 1996. Paragraph 14 substitutes regulation 26, to extend the circumstances in which, in relation to the reference scheme, widows', widowers' and civil partners' pensions need not be paid. These extended circumstances are subject to a transitional provision which ensures that they do not apply to survivors of scheme members where the member dies before the civil partnership provisions come into force. Paragraph 19 amends regulation 58 to extend the circumstances in which a guaranteed minimum pension payable to a widower or surviving civil partner need not be paid. These extended circumstances are subject to a transitional provision which ensures that they do not apply to survivors of scheme members where the member dies before the civil partnership provisions come into force;
Part 5 amends the Protected Rights (Transfer Payment) Regulations (Northern Ireland) 1996;
Part 6 amends the Contracting-out (Transfer and Transfer Payment) Regulations (Northern Ireland) 1996;
Part 7 amends the Personal and Occupational Pension Schemes (Protected Rights) Regulations (Northern Ireland) 1997. Paragraph 29 amends regulation 5 to extend the circumstances in which a pension or annuity payable to a widow, widower or surviving civil partner need not be paid. These extended circumstances are subject to a transitional provision which ensures that they do not apply to survivors of scheme members where the member dies before the civil partnership provisions come into force. Paragraph 32 amends regulation 12 to extend the circumstances in which a pension or annuity need not be paid to the widow, widower or surviving civil partner when the member dies before effect is given to his or her protected rights. These extended circumstances are subject to a transitional provision which ensures that they do not apply to survivors of scheme members where the member dies before the civil partnership provisions come into force;
Part 8 amends the Occupational Pension Schemes (Modification of Schemes) Regulations (Northern Ireland) 1997;
Part 9 amends the Personal Pension Schemes (Appropriate Schemes) Regulations (Northern Ireland) 1997;
Part 10 amends the Occupational Pension Schemes (Discharge of Liability) Regulations (Northern Ireland) 1997. Paragraph 44 amends regulation 11 to extend the circumstances in which a pension need not be provided for widows, widowers and surviving civil partners. These extended circumstances are subject to a transitional provision which ensures that they do not apply to survivors of scheme members where the member dies before the civil partnership provisions come into force.
An assessment of the impact on business, charities or the voluntary sector of the provisions in this Order is included in the Regulatory Impact Assessment that accompanied the Civil Partnership Act 2004. A copy of that assessment has been placed in the libraries of both Houses of Parliament. Copies may be obtained from the DTI website at http://www.dti.gov.uk/access/ria/index.htm#equality.