For many parents, a pension is one of the largest assets they will ever build up. It often represents decades of saving and working hard with the hope that, one day, it will provide financial security for their family. So it is natural to want to leave that pension to your child, especially if they have additional needs.
I know how strong that instinct can be. As a mum to a son with profound autism, I have often thought about how every resource I have could be used to protect and provide for him. But when it comes to pensions, the rules are not always straightforward. One of the most common questions I hear is:
“Can I just leave my pension to my disabled child in my will?”
The surprising answer is no. Pensions do not usually follow the instructions in your will. Let’s look at why.
Why Pensions Are Different
Most pensions are already held under a trust arrangement. This means that when you die, it is the pension scheme trustees who decide who receives the benefits. They will consider your wishes carefully, but your will is not the deciding factor.
From 2027, pensions will also be included in your estate for inheritance tax purposes. This makes planning even more important, because while the tax rules are changing, the way pensions are passed on remains unique.
The Role of an Expression of Wishes
The single most important step you can take is to complete an Expression of Wishes form with your pension provider. This form lets you set out clearly who you would like the pension to go to.
Here is where caution is needed. If you name your disabled child directly, the scheme trustees may pay the benefits straight into their name. That lump sum could place them in a vulnerable position, and it could also affect the financial support they rely on.
Instead, a safer approach is to nominate a trust. By directing your pension into a trust, you give trustees control to manage the funds responsibly and for your child’s benefit. This ensures the money can be used to support them, without exposing them to unnecessary risks.
📥 If you are not sure what to include in your Expression of Wishes, my free Letter of Wishes Guide can help. Although it is aimed at wills, many parents use it as a starting point for thinking through what to record for trustees and providers too.
Why This Matters
For many disabled people, benefits are a lifeline, and financial management can be complex. Without careful planning, something as simple as naming your child on a form can undo years of security. Taking a little time now to review your pension paperwork can prevent major problems later.
Next Steps
I know how daunting pensions can feel. They come with pages of rules, shifting tax changes, and industry jargon that can make your head spin. But it does not have to be complicated.
✔ Start by asking your provider for a copy of your Expression of Wishes.
✔ Think carefully about whether to name a trust, rather than your child directly.
✔ Review this alongside your will, so everything ties together.
🔑 If you would like support with this, you can book a Secure Futures Consultation with me. Together we will make sure your pensions, wills, and trusts are working together to give your child the best possible protection.
Final Thoughts
Leaving your pension to your child is a powerful act of care, but it needs to be done safely. By using an Expression of Wishes and considering a trust, you can make sure those funds truly provide security, rather than complications.
💡 For more practical insights like this, follow me on Instagram @carersacademy. I share regular tips and stories designed to help parents of children with additional needs feel more confident about the future.
