Information for older trans people
Legal, financial and social care issues affecting trans people in later life.
LGBT+ rights
Most of the issues, advice and policies relating to later life apply to everyone equally, but there are some things that affect lesbian, gay, bisexual and trans (LGBT+) people differently – and some things might need special consideration.
What are my rights regarding LGBT+ relationships?
If you'd like to, you and your partner can get married or become civil partners. Both are great ways to publicly celebrate your love for one another. Getting married or forming a civil partnership also gives you greater legal rights around property, medical care and inheritance, and can mean you'll be more secure later in life, or if one of you dies.
Marriage
You can choose to have either a civil or religious marriage ceremony. However, it’s worth noting that not all faith organisations will marry same-sex couples – and they’re not legally obliged to.
If you and your partner are already in a civil partnership, you can convert this into a marriage if you want to.
Civil partnerships
In practical terms, a civil partnership gives you almost all the same rights and responsibilities as marriage.
A civil partnership is created when two people sign a civil partnership document in the presence of a registrar and witnesses. The ceremony can take place in a registry office or other registered premises, such as a hotel. It can also take place in a religious building, such as a church or synagogue, if they agree to it – but the ceremony itself can’t have religious content.
Once you've registered a civil partnership, you and your partner can be referred to as ‘civil partners’.
What are my rights regarding healthcare?
Healthcare services have a duty to provide care that's fair and equal, but you might have had bad experiences in the past. Discrimination and a lack of understanding about your identity can put you off to access care in the future – but avoiding seeing the doctor could put your health at risk.
NHS services
Every GP surgery should have a policy on equality and diversity, which you can ask to see when registering as a patient – or at any time afterwards.
Any information you share with NHS staff is confidential and there are strict laws to ensure the security of health records.
If you’re treated unfairly by a health service because of your sexual orientation or gender identity, you can make a complaint.
Find out more about making a complaint about health and care services
What are my housing options?
If you're finding it more difficult to manage at home, you might want to think about your housing options. For example, you could look into home adaptations to make where you live safer and more comfortable, or you might want to think about moving into sheltered housing or a care home.
There are very few housing options specifically for older LGBT+ people in the UK. However, you're entitled to ask managers and staff members questions to find out more about their attitudes.
All staff should be aware of the issues affecting LGBT+ people. You could also ask how the home accommodates relationships and whether they have a code of practice on privacy.
Find out more about housing options in later life
What are my rights to my partner's tenancy?
If you live in your partner's rented property, you might be able to get your name added to the tenancy. You shouldn’t need to be married or in a civil partnership to do this.
It might be easier to get your name added to a tenancy if you live in a council or housing association property – but check the terms of the contract and the landlord’s policies to see what they say.
If your partner dies and you were joint tenants, the tenancy should automatically transfer to you. If your partner was the sole tenant, the rules depend on the type of tenancy they had. This can get complicated, so it's a good idea to get more advice if you're not sure. For more information, you can contact your local Age UK or Citizens Advice.
Find your local Citizens Advice on the Citizens Advice website
If you and your partner didn’t get married or register a civil partnership, you might need to provide evidence of your relationship, such as joint accounts or bills and being registered on the electoral roll at the same address.
What are my rights regarding money and finances
If you're in a relationship, you might wonder how that can affect your finances, from pensions to benefits.
Can I claim my spouse or civil partner's pension?
- State Pension is based on someone's own National Insurance (NI) contributions. In general, you can't claim on your spouse or civil partner’s contributions. However, if you reached State Pension age on or before 5 April 2016 and you don’t have enough NI contributions in your own right, you might qualify for a basic State Pension under the old State Pension system based on your spouse or civil partner’s NI contributions.
- Private pensions work slightly differently. You’re entitled to a survivor’s pension from your spouse or civil partner’s occupational pension if they die. However, if you're a same-sex couple, workplace pension schemes only have to grant survivor’s benefits to you based on your partner's contributions from 2005 onwards. This means you might be entitled to less money than heterosexual couples.This is in line with the law and only applies to non-contracted out pension schemes.
Private pension schemes aren’t legally required to extend survivor benefits to unmarried or unregistered partners – but you can nominate someone to benefit from your pension when you die.
How are my benefits affected if I have a partner?
If you live with your partner, you'll be treated as a couple even if you're not married or in a civil partnership.
This might reduce the amount of money you get from means-tested benefits such as Pension Credit, Universal Credit, Housing Benefit or Council Tax Reduction, because both your income and your partner’s income is included as part of the assessment.
However, having a partner won’t reduce:
- benefits that aren't means-tested, such as State Pension
- disability benefits such as Attendance Allowance or Personal Independence Payment (these are calculated on the basis of your individual circumstances).
If you receive any means-tested benefits, you need to let the office that pays them know that you have a spouse, civil partner or that you’re living with a partner. If you don’t, it could be seen as fraudulent and you could have to pay back any money you've been overpaid.
What happens if my partner dies?
Civil partners and same-sex spouses register the death of their partner in the same way as heterosexual married couples and are entitled to Bereavement Support Payment (BSP).
Eligibility for BSP has been extended to unmarried couples with dependent children. You can get in touch with the Department for Work and Pensions (DWP) Bereavement Service to check eligibility or to make a claim on 0800 151 2012.
Are you entitled to extra money?
Do you know what benefits you're entitled to? Our online benefits calculator can help you quickly and easily find out what you could be claiming.
What are my rights regarding protection from discrimination?
Sadly, discrimination is something many LGBT+ people still experience. However, there are laws in place to protect you, and lots of organisations that can offer help and support.
What's the law on discrimination?
The Equality Act 2010 makes it illegal to discriminate against people with ‘protected characteristics’. These characteristics include:
- age
- sex
- disability
- gender reassignment
- sexual orientation.
The Act covers you at work and when you're accessing goods and services – for instance, in shops, hotels, healthcare settings and care homes. It means that an organisation can't refuse you services or treat you worse than others because of your sexual orientation or gender identity. There are however some situations where this doesn't apply, such as in some single-sex spaces.
If you have a complaint, you should first go through the organisation’s standard complaints process – for example, writing to the manager. If you’re unhappy with the response you get, you might need to get further advice about how to take your case forward, depending on the organisation.
What can I do if I've been discriminated against?
If a crime is motivated by homophobia, biphobia or transphobia, the police can take this into account and it can be used in sentencing.
If you're being intimidated or harrassed, you should speak to someone. You can contact an LGBT+ helpline, such as Galop who can offer you advice, or you can report it to the police. If you're unhappy with the police's response, you can cotact the professional standards department of the relevant police force.
We're here to help
We offer support through our free advice line on 0800 678 1602. Lines are open 8am-7pm, 365 days a year. We also have specialist advisers at over 120 local Age UKs.