Am I receiving the correct pension?

jeanneton

The National Insurance minefield again - is there any way I can check whether I am receiving the correct state pension? Friends who have never worked appear to be receiving more; although I haven't the full contribution record (bringing up children, part-time jobs, etc), I qualify for Home Responsibilities Protection and paid the full NI when working.

EdInvestor

The friends who have never worked are probably getting 60% of the basic pension based on their husband's contributions. This option would also be available to you, presumably, so if it is more than you are entitled to on your own account you may be best to opt for that instead.

CLAPTON

how much are you getting

how many years did you pay full NI contribs
how many year of HRP

mrbnewc1

The easiest way to get a comprehensive answer is to contact the pension service on 0845 60 60 265 and ask for something in writing which explains in detail how your State Pension has been calculated. I thiink they're referred to as 'working life letters'.

Hope this helps.

Mrbnewc1

jeanneton

Thanks a lot! Will check, but friends appear to be receiving full pension, somehow!

jeanneton

CLAPTON wrote: »

how much are you getting

how many years did you pay full NI contribs
how many year of HRP

Will check HRP/years paid and reply!