will a pension continue when in a nursing home?

Question

the need is for continuing care.

Answer 1

All Pensions (being all Annuity's and the 'Old Age' Pension) will continue to be paid until the person dies.. .. whether there will be any left over each month after paying for care is another matter ..

NB - defined contribution plans are not limited to some maximum payout - the funds are invested (usually in stocks & shares) and when you Retire the fund is used to buy an Annuity (which lasts as long as you live).

It is possible to Retire from a defined contribution scheme without buying an Annuity (by transferring into a SIPP and entering "drawdown"), however to prevent the money running out, you are limited to (I believe) a max. of 5% of the fund value per year .... and when you reach 75 you are forced to purchase an Annuity with whatever is left

Answer 2

If it is a defined benefit plan, yes:

"A defined benefit plan must offer to pay an annuity, a monthly benefit, for the life of a retired worker, no matter how long the worker lives. If the value of the benefit is $5,000 or less, the plan may pay the benefit in a single payment.
If a worker is married, a defined benefit plan must also pay an annuity to the worker’s surviving spouse for the spouse’s life, unless the worker and spouse elect otherwise. "
http://pueblo.gsa.gov/cic_text/money/secure-4life/secure-pension.htm

You can see about other sorts as well (for folks who are already retired, they probably have that type of plan. After about 1972, probably NOT.)

Defined contribution plans are more common and they pay a certain amount TOTAL. Whether or not nursing care is needed, when the amount is used up, it's gone.

Answer 3

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