pension and partner?

bryanb

jancee wrote: »

Yes that's right. I misunderstood your former post. A woman or man who is over retirement age can claim the 60% adult dependency increase for their younger spouse or for a person who looks after their children - it doesn't apply to people who aren't married [except in the child caring aspect]. This is being phased out after 2010 but those already in receipt can keep it until 2020.
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This is only true if the spouse does not have any income exceeding (about) £52 per week. The 60% is based on the basic state pension, not total state pension.

sebastianj

Thanks jancee, I am still a little confused, so if the husband is not retired but the wife has, after 2010 she will be able to claim 60% of his pension? If the husband still had a few years to retire then will they be able to work out the 60% she should get? Let us say she retires in 2009 and he retires in 2013.
kind regards
seb

EdInvestor

sebastianj wrote: »

What about if wife is reaching retirement age and depends on husband pension, (has not worked, raised a family), husband not yet retired. Talking about state pension here, she may not be entitled to any thing??
rgd
seb

Correct.She gets nothing until he reaches retirement age.

EdInvestor

sebastianj wrote: »

Thanks jancee, I am still a little confused, so if the husband is not retired but the wife has, after 2010 she will be able to claim 60% of his pension?

Good rundown on the old and new rules here:

http://www.helptheaged.org.uk/en-gb/AdviceSupport/FinancialAdvice/Pensions/StateRetirementPension/as_statepen_180106_2.htm

sebastianj

A women with 21 years of HRP+4 years of higher rate disability, will she be entitled to any state pension when she is 60 in a few months?
kind regards,
seb

seven-day-weekend

I think you have to have at least ten years of PAID contributions, and that you can only have a maximum of 19 years HRP (under the pre-2010 rules which will apply here).

So because she doesn't have the ten years' paid, I don't think she will be entitled to a Pension in her own right.

Get a forecast here:

http://www.thepensionservice.gov.uk/state-pension/forecast/home.asp