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  • FIRST POST
    • spurdog1
    • By spurdog1 12th Oct 17, 1:38 PM
    • 10Posts
    • 0Thanks
    spurdog1
    Exception rather than the rule
    • #1
    • 12th Oct 17, 1:38 PM
    Exception rather than the rule 12th Oct 17 at 1:38 PM
    Please I need to start planning for myself and my wife, on the state pension in "unusual circumstances". (I just cannot get a sensible answer from HMRC).
    My wife retired 5 years ago on 27 qualifying years, and currently receives approx 470.00 per month (she also receives 70.00 per month private pension). She has her days where she is reasonably pain free, walks to the bus, to town with a stick. Other days she can barely walk through our house with a stick.

    I have built a small separate nest egg, which I will burn up the next four years, making her safe.

    I have 43 qualifying years, and therefore (i think will qualify for 150.00 per week, when i retire)
    Does that include my wife's pension, or will her £470.00 be "in addition to mine"? Will her pension jump to £120.00 per week?

    Is there someone "in the know", on MSE, please.

    Spurdog1
Page 1
    • xylophone
    • By xylophone 12th Oct 17, 1:48 PM
    • 23,113 Posts
    • 13,397 Thanks
    xylophone
    • #2
    • 12th Oct 17, 1:48 PM
    • #2
    • 12th Oct 17, 1:48 PM
    Your wife is receiving her state pension on her own contributions.

    You will receive your state pension on your own contributions.

    Have you obtained a state pension statement?

    If not you should do so.

    https://www.gov.uk/check-state-pension
    • xylophone
    • By xylophone 12th Oct 17, 1:51 PM
    • 23,113 Posts
    • 13,397 Thanks
    xylophone
    • #3
    • 12th Oct 17, 1:51 PM
    • #3
    • 12th Oct 17, 1:51 PM
    Would your wife qualify for Attendance Allowance?

    http://www.carersuk.org/help-and-advice/financial-support/help-with-benefits/attendance-allowance
    • spurdog1
    • By spurdog1 12th Oct 17, 1:59 PM
    • 10 Posts
    • 0 Thanks
    spurdog1
    • #4
    • 12th Oct 17, 1:59 PM
    • #4
    • 12th Oct 17, 1:59 PM
    [QUOTE=xylophone;73251704]Would your wife qualify for Attendance Allowance?


    No, because it's hit & miss, her illness
    • spurdog1
    • By spurdog1 12th Oct 17, 2:00 PM
    • 10 Posts
    • 0 Thanks
    spurdog1
    • #5
    • 12th Oct 17, 2:00 PM
    • #5
    • 12th Oct 17, 2:00 PM
    yes, I have my £155.00 per week Thks
    • Mnd
    • By Mnd 12th Oct 17, 4:37 PM
    • 156 Posts
    • 166 Thanks
    Mnd
    • #6
    • 12th Oct 17, 4:37 PM
    • #6
    • 12th Oct 17, 4:37 PM
    Totally separate pensions
    • spurdog1
    • By spurdog1 12th Oct 17, 4:51 PM
    • 10 Posts
    • 0 Thanks
    spurdog1
    • #7
    • 12th Oct 17, 4:51 PM
    • #7
    • 12th Oct 17, 4:51 PM
    Thanks MnD
    • badmemory
    • By badmemory 12th Oct 17, 7:31 PM
    • 803 Posts
    • 781 Thanks
    badmemory
    • #8
    • 12th Oct 17, 7:31 PM
    • #8
    • 12th Oct 17, 7:31 PM
    If you do have enough spare income at the moment it is possible to defer your wifes state pension @ 10.4% per year as she retired prior to April 2016. It may or may not be a good deal for her but could be worth looking into!
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