Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    More4Less
    Thinking of getting Married - State Pension Query
    • #1
    • 27th Dec 12, 8:04 PM
    Thinking of getting Married - State Pension Query 27th Dec 12 at 8:04 PM
    Hi, I am 64 years old and in receipt of the basic State Pension plus a few pounds extra for Additional State Pension or something like that!

    I am thinking of getting married to my long term partner, he also gets the State Pension ++ a few small extras. Its not much but we can just about manage. Am I right in thinking that our State Pensions will be unchanged if we marry - we wont be forced to claim a married couple's joint pension which would be less than our individual ones?

    Thanks for any help
Page 1
    • margaretclare
    • By margaretclare 27th Dec 12, 8:15 PM
    • 9,969 Posts
    • 16,076 Thanks
    margaretclare
    • #2
    • 27th Dec 12, 8:15 PM
    • #2
    • 27th Dec 12, 8:15 PM
    There is no such thing as a married couple's joint pension.

    You each have state retirement entitlement in your own right, that will continue. You'll receive your state pension as if you were 2 single people living together. That's what DH and I do, and we've been married almost 11 years.

    What are the 'few small extras'? SERPS/S2P, or pension from former employment, that kind of thing?
    r ic wisdom funde, r wear ic eald.
    Before I found wisdom, I became old.
  • More4Less
    • #3
    • 27th Dec 12, 8:34 PM
    • #3
    • 27th Dec 12, 8:34 PM

    What are the 'few small extras'? SERPS/S2P, or pension from former employment, that kind of thing?
    Originally posted by margaretclare
    Yes, that is right. Thanks for your help.

    I got this from the Which Web site which made me think there was a married couple's pension.

    'Full basic state pension for 2012-13 for a single person is 107.45 per week. Full basic state pension for a married couple (or civil partners) for 2012-13 is 171.85.'
    • bigfreddiel
    • By bigfreddiel 27th Dec 12, 9:03 PM
    • 2,996 Posts
    • 1,258 Thanks
    bigfreddiel
    • #4
    • 27th Dec 12, 9:03 PM
    • #4
    • 27th Dec 12, 9:03 PM
    Full basic state pension for a married couple (or civil partners) for 2012-13 is 171.85.'
    Originally posted by More4Less
    a married couple's pension is where only one partner has paid his/her ni for thirty years plus

    you've both earned your own so you're okay as a pevious poster said.

    cheers

    fj
    • Linton
    • By Linton 27th Dec 12, 9:04 PM
    • 6,324 Posts
    • 5,867 Thanks
    Linton
    • #5
    • 27th Dec 12, 9:04 PM
    • #5
    • 27th Dec 12, 9:04 PM
    Yes, that is right. Thanks for your help.

    I got this from the Which Web site which made me think there was a married couple's pension.

    'Full basic state pension for 2012-13 for a single person is 107.45 per week. Full basic state pension for a married couple (or civil partners) for 2012-13 is 171.85.'
    Originally posted by More4Less
    This only applies if one of the couple does not have a state pension in their own right, for example a wife who has never been employed as was common many years ago.

    (Or if their employment entitles them to less than the 64 extra in the married couples pension)
    Last edited by Linton; 27-12-2012 at 10:41 PM.
    • margaretclare
    • By margaretclare 28th Dec 12, 9:13 AM
    • 9,969 Posts
    • 16,076 Thanks
    margaretclare
    • #6
    • 28th Dec 12, 9:13 AM
    • #6
    • 28th Dec 12, 9:13 AM
    I got this from the Which Web site which made me think there was a married couple's pension.

    'Full basic state pension for 2012-13 for a single person is 107.45 per week. Full basic state pension for a married couple (or civil partners) for 2012-13 is 171.85.'
    I really wish the powers-that-be would change their terminology, because this is misleading and leads to this question being asked time and again.
    r ic wisdom funde, r wear ic eald.
    Before I found wisdom, I became old.
    • Goldenyears
    • By Goldenyears 28th Dec 12, 9:18 AM
    • 277 Posts
    • 123 Thanks
    Goldenyears
    • #7
    • 28th Dec 12, 9:18 AM
    • #7
    • 28th Dec 12, 9:18 AM
    The Which website does explain it correctly, but then under the heading Joint Pensions goes on to muddle things again with:

    Effectively, the non-qualifying partner receives reduced basic state pension of 64.40 per week. Where both couples qualify for full state pension, they receive this individually, getting 107.45 each- giving them a combined basic pension of 214.90 per week.

    implying there is such a thing as a joint pension not received individually!
  • More4Less
    • #8
    • 28th Dec 12, 8:53 PM
    • #8
    • 28th Dec 12, 8:53 PM
    Thanks everyone. Crystal clear now, can think about marriage with that problem out of the way.

    Happy New Year to All!
Welcome to our new Forum!

Our aim's to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

83Posts Today

2,971Users online

Martin's Twitter