It doesn’t matter that you are separated or living together. You were still married and therefore, you are entitled to the widow’s pension in all the schemes I have ever come across although the amount of the widow’s pension will vary..
There may be a provision in the pension scheme rules that you must be living together at the time of death in order for you to benefit from the full spouse’s pension but it is most unusual and indeed, it’s not something I have ever experienced.
I suggest that you ask them whereabouts in the scheme rules it says that you are not entitled to the full 50% widow’s pension was only 25%.
Once you have a reply from them you will be in the position to decide whether to make a formal complaint and if the formal complaint doesn’t bear fruit, and refer the matter to the Pension Ombudsman. https://www.pensions-ombudsman.org.uk/
. Can I clarify anything else for you?
I’m happy to answer any specific points arising from this.
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