Locations we serve
Locations we serve
Locations we serve
Other Services
020 7404 9390
Available 24 hours

Supreme Court grants survivors’ pension to unmarried cohabitee

Olivia Burns
Supreme Court grants survivors’ pension to unmarried cohabitee

The Supreme Court has unanimously allowed an appeal by Ms Denise Brewster. The decision has been applauded as a positive step forward for cohabitating partners, as the effect of the judgment awarded a survivors pension scheme to an unmarried cohabitee. The decision brings the Northern Ireland public pension schemes in line with England, Wales and Scotland.

Background facts

Denise Brewster and William Leonard McMullan (Lenny McMullan) lived together for some ten years. In April 2005, Denise and Lenny purchased a house together at Lilac Avenue, Coleraine, County Londonderry. On Christmas Eve 2009, the couple became engaged. Sadly, Lenny died unexpectedly just two days later aged 43.

The pension

At the time of his death, Lenny had been employed by Translink, the company which provides Northern Ireland with its public transport services. Lenny had worked for the company for 15 years. Throughout that time, he had paid into the Local Government Pension Scheme Northern Ireland (the scheme). The scheme was administered by the Northern Ireland Local Government Superannuation Committee (NILGOSC) pursuant to the Local Government Pension Scheme (Benefits, Membership and Contributions) Regulations (Northern Ireland) 2009 (SI 2009/32) (the 2009 regulations). The Department of the Environment for Northern Ireland (DENI) made and was responsible for the 2009 regulations.

The 2009 regulations provided for the payment of retirement benefits to members of the scheme and for the payment of pensions and other benefits to certain survivors of members, in the event that the member were to die. In April 2009, a cohabiting surviving partner became eligible for the payment of a survivors pension provided a nomination form had been completed. This was conditional on the completion of a nomination form.

Upon Lennys death, Denise expected to receive a survivors pension, having been under the impression that Lenny had provided his nomination form to NILGOSC. NILGOSC stated that they did not receive the form and refused to pay her a survivors pension.

Decision at first instance

Ms Brewster appealed NILGOSCs decision on the basis that the absolute requirement of a nomination form imposed on cohabitees as a condition of eligibility of the survivors pension constituted unlawful discrimination contrary to Article 14 of the European Convention on Human Rights and Fundamental Freedoms (ECHR), together with Article 1 of the First Protocol (A1P1) of the ECHR.

On 9 November 2012, Treacy J held that the nomination requirement was an instrument of disentitlement in relation to unmarried partners. Treacy J made the point that there was not a reasonable relationship of proportionality between the means employed and the aim sought to be achieved. It was therefore ordered that the requirement of nomination of a cohabiting partner in the 2009 scheme was not compatible with article 14 ECHR. NILGOSCs decision not to award Denise a survivors pension.

NILGOSC and DENIs appeal

NILGOSC and the Department of the Environment for Northern Ireland (DENI) successfully appealed to the Court of Appeal in Northern Ireland. The Court of Appeal held that the nomination requirement was not unjustified or disproportionate (Higgins LJ) and Coghlin LJ also concluded that the requirement had not been shown to be manifestly without reasonable justification.

Ms Brewster appealed and took her case to the Supreme Court.

In the interim period between appeals, the Local Government Pension Scheme in England and Wales was revised with effect from 1 April 2014 for claims arising after that date. The revisions included the removal of the opt-in requirement for unmarried couples. The same change was then made to the Scottish scheme by the Local Government Pension Scheme (Scotland) Regulations 2014. Ms Brewster made an application to the Court of Appeal to rehear her appeal but this was opposed by DENI and ultimately refused by the court.

The Supreme Court

The Supreme Court unanimously allowed Ms Brewsters appeal and declared that the requirement for unmarried couples to complete a nomination form should be disapplied. Ms Brewster was therefore awarded a survivors pension.

In coming to their decision, the Supreme Court considered the 2009 Regulations, the policy objective of the nomination form and the objective justification of the nomination form.

The 2009 regulations

The 2009 regulations were made on 25 February 2009 and the new Pension Scheme came into effect on 1 April 2009. The 2009 regulations provided for survivors pensions in circumstances where a member died and left a surviving spouse or nominated cohabiting partner or civil partner, provided they had been nominated and been living together for at least two years including the day on which the nomination declaration was signed and were financially dependent. The nomination form would therefore have no effect in circumstances where the two year condition had not been met.

Policy objective

The Supreme Court considered consultation papers released in October 2004 and June 2006 together with the Law Commissions report on cohabitation, in establishing what the policy objectives were to the nomination form. DENI made submissions that the policy objective of the nomination form was to identify fully the wishes of the scheme member.

Proportionality and consideration of the need for the nomination process

The court took the view that the essential question was whether imposing a nomination requirement amounted to a difference of treatment between married and unmarried couples. Married couples did not need to complete a nomination form.

The court stated that while they could understand that the procedural requirements were designed to establish that a genuine and subsisting relationship existed had been included in the regulations, the requirement for a nomination form did not explain why a nomination was required, as it added nothing to the evidential hurdle which a surviving unmarried partner of a scheme member had to face.

The court further stated that if nomination was not required of a married survivor of a scheme member and if the overall aim of the amended regulations was to place a surviving cohabitant who was in a stable, long term relationship with the deceased scheme member on an equal footing with a surviving spouse or civil partner, the need for the nomination procedure for cohabitants was difficult to find.

Objective justification

In considering whether the nomination requirement was in line with the appellants entitlement to equal treatment and complied with their obligations under ECHR and the Human Rights Act 1998, the court had to look at whether there was an objective justification for denying Ms Brewster her rights under the ECHR. The test to be applied in determining whether the nomination requirement in the 2009 Regulations was justified and proportionate was that of manifestly without reasonable foundation. The court considered that the purpose of the 2009 regulations was to provide cohabitees with rights to a survivors pension and that cohabitation in itself was a matter of choice, rather than an immutable characteristic. Socio-economic factors had not been at the forefront of the decision-making process.

Lord Kerr concluded that there was no rational connection between the objective and the imposition of the nomination requirement.


Although this decision has been applauded as a step in the right direction for cohabitees, it is important to note that the decision addresses one very specific point of law in terms of survivors pensions. Other public sector schemes will need to ensure their pension rules comply with the decision.

To read the judgment in full, click here

This site uses cookies. Find out more. Use of this site is deemed as consent.   OK   CUSTOMISE