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State Pension confusion
Hello, My wife and I were checking our state pensions, I am 2 months older than my wife, we both have 22 qualifying years, but for me i only need 9 years to get the full allocation whereas my wife needs another 14 years. Can anyone explain why?
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Pension
Hi I’m new on here so bear with me, I will be 70 next week and took early retirement in 2013 to care for my wife who has brain tumor we both now have state pension and my carers allowance stopped when pension started, I noticed that my wife who was retired through ill health and is on pip is getting £20 more a week than I…
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Pension Forcast
My wife is 64 and has not worked or received benefits since October 2020. Shas obtained a State Pension forecast (dated 16/9/2024). It says: Your forecast is £221.20 a week. This is the most you can get. You will reach State pension age on 6/7/2027. My question is, does the forecast assume that she will pay NI from now…
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"Copy" Birth and Marriage Certiifcates
Forms such as the NHS Pensions AW8P ask for original birth and marriage certificates. However, the original issued at birth are not always available. So does this mean original or does it mean government issued as opposed to a photocopy? This is frustrating when the missing certificate is the result of a failure to return…
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Taking pension pot at 55
Hi all - I feel I have seen numerous messages on the forum asking the same question but I still don't quite understand the implications. In a nutshell - I turn 55 next month and have been in a company pension since 1993. Before that I had a private pension for around 3 or 4 years. I have been ignoring the letters from this…
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55 and no pension
Hello, First time posting and don't know all the pension jargon, so please bear with me. My OH (55 years) has been self employed all his life, and has no pension whatsoever. (never the right time, kids, mortgage, recessions etc) I (53) have 3 small pots from part time jobs over the years, projected to approx £4000 pa. We…
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How do i persuade step son to rejoin his employers pension??
So….my step son is 36, earning about £48k, joint custody 3 children and in rented accommodation. Has has quit his company pension citing he cannot afford to pay in. He has a pension from a previous job valued at, I guess..£25-30k. What do I say to him to get him to rejoin his employers pension?. I could say his uncle…
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Avoiding HRT by pension contribution - & for last year?
I paid 40% tax for the first time last tax year. HRT of £1079 mainly due to higher interest rates on savings and an unexpected bonus which pushed total income over £50k including salary (less pension sacrifice) and DB pension income. I expect a similar scenario this year. So I’m thinking of making an additional payment of…
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Can live without my DC pension pot but should I take the 25% tax free at the moment
We're fortunate that my missus and I both get a full state pension and I also have a modest DB pension which pays me enough each month to top up the state pensions so that we can live to our usual quiet standard pretty much unaffected by retirement. We have a nest egg in ISAs, no mortgage outstanding and no debt at all. At…
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Aptia misapplying GMP equalisation process for deferred pension
My Deferred DB Pension recently transferred from Mercer to Aptia and I asked them for a valuation. The previous valuation (from Mercer) was £3023.26 p.a., in 2017. The valuation now (in 2025) from Aptia is £3292.80. I expected it to have gone up with inflation (Capped at 5%) which would make it about £4000. I still have…
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The iniquity of Salsac on lower paid workers
First, big disclaimer. I have been a big, huge, gigantic beneficiary of salsac in the past. So yes, I like it. A lot. But something that just hit home was when my oldest asked me to take a look at the pension arrangements for her nice shiny new graduate job. It's a net pay arrangement, so I was about to say to her that she…
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Need advice on my wife's pension and extra contributions.
In Scotland and my wife has been employed in the local council for 20(ish) years and wants to retire at 60 (10 years from now). She is in the 42% tax bracket and is a few hundred £ short of going into 45% tax bracket which will happen with the next pay rise.I have been saying to her to pay extra into her pension and she…
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Amount paid into pension
Hi, hoping you can advise whether what I am doing is allowable for tax: I have taxable income of £70,400 for 2024/25 and have made personal contributions of £20,967 to my SIPP, which have been grossed up to £26,209 by my provider reclaiming the tax. My employer has made contributions of £51,923 to the same SIPP. I have…
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Employer not making workplace pension contributions
Unfortunately, I’ve discovered my employer has failed to pay the pension contributions for all employees for the past 4 months. The deductions from pay have been made and it’s all recorded on the pay slips. The pension regulator is aware, the employer has stated they have cash flow problems and cannot confirm when the…
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State Pension forecast
I just looked at my forecast and it says I can get my state pension in Nov 2027. my forecast is £221.20 a week I cannot improve my forecast anymore. I have a few years (2) where "year is not full", but they are approx £900 per year. Do I need to do this or does the site imply I have contributed enough to qualify for a full…
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pension deferral or not
if working full time and deferred my state pension last july birthday in my understanding have 4 and half years untill i want to retire am i right in saying my only down fall if was to take my state pension after a year of deferring would be i would be taxed more as of still working full time so would be in higher tax…
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Contributing £2880 to pension, can I pay in more?
At the moment I'm a non-tax payer, 60, not in paid employment and don't anticipate being so again. I have income from interest below the personal allowance. I am contributing £2880 to my personal pension. I earn a small amount, under £1K per year, from Prolific studies. It just occured to me, can I contribute an amount…
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25% tax free
My husband is 56 and has his pension with Nest he asked to take his 25% tax free out of the pension which his employer is still paying into. They said if he did this they would then close the account and he would have to find a provider elsewhere but he can’t do this as his employer is paying into to it. So he has had to…
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Help find my pension
I have found paperwork relating to a Skandia pension plan no PP5 001715606. I don't remember looking into this pension when I retired. Please advise if this pension has a value. Thanks Jxxx Bxxxx born in 1951
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Getting Foreign State Pension
In addition to UK state pension may I also get foreign state pensions through voluntary contributions (or similar). If so what would make me eligible for them? Are there any countries I can recieve it without working there or having citizenship?
Got questions about boosting your state pension by checking your record with the Future Pension Centre and making voluntary National Insurance contributions?
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Most recent: Guide discussion: Voluntary national insurance contributions by skycatcher
15 August at 2:14PM
