Given the woman has a State Supern. which she is accessing as a pension, if it is a Defined Benefit Pension, as it may well be, then if one person of a couple dies, the other can get 75% of it indexed for life. Otherwise, have no idea how it would work unless one can get an assessment of its lump sum value. Defined Benefits however cannot easily be determined as to their worth as it is dependent on how long the recipient stays alive to continue accessing it.
