Married Womans Reduced NIC

Beenie

I was married in 1976 and have worked continuously since then, paying the Married Womans Reduced Rate NI contribution each month.

Although I'm under 55, I've taken Early Approved Retirement and will be getting a small works pension from April onwards. I think that my state pension will be payable when my husband is 65 and that my share will be 60%. The rules have changed and I don't want to be living under a false assumption, so can someone confirm this for me please?

Also, if I were to take up another job, would I be well advised to start to pay a full stamp -- assuming this allows you to draw a larger state pension in your own right-- or should I leave this alone as I only will be able to get 10 years contributions under my belt and would therefore be no better off?

jem16

Beenie wrote: »

I think that my state pension will be payable when my husband is 65 and that my share will be 60%.

Partly correct. It will be available to you at age 65 provided your husband is also 65 or over.

Also, if I were to take up another job, would I be well advised to start to pay a full stamp -- assuming this allows you to draw a larger state pension in your own right-- or should I leave this alone as I only will be able to get 10 years contributions under my belt and would therefore be no better off?

As you would only get 10 years this would give you 10/30ths of a state pension which is 33.3% so 60% would be better I would think.

jamieboy

I don't think that is correct, my husband will be 65 in May and I am 62, I also paid the married womans stamp. I have been informed by the tax office that I will be entitled to a reduced pension of £58 in May when my OH reaches 65.

zygurat789

Basic state pension 97.65
Married womans pension 58.50 60%

Married couple's pension 156.15

jem16

jamieboy wrote: »

I don't think that is correct, my husband will be 65 in May and I am 62, I also paid the married womans stamp. I have been informed by the tax office that I will be entitled to a reduced pension of £58 in May when my OH reaches 65.

That's completely different to the OP's situation. You are already over state pension age which for you is age 60 and yes you can claim 60% of his pension which is paid directly to you.

In the OP's case her husband, however, can claim an additional pension if he has a dependant wife ( i.e. one who is not working). As zygurat789 has posted that would be £156.15 but is paid to the husband. At age 65 she would then be able to claim for her own pension of 60% and this would be paid to her and her husband would revert back to the single pension.

Whether or not the OP would be seen as a dependant wife if she is receiving a pension from her work is something she would need to clarify.

anmarj

jem16 wrote: »

Partly correct. It will be available to you at age 65 provided your husband is also 65 or over.
.

wrong, the op can be any age (over state pension age), she does not wait until she is 65, she has to wait for her husband to be 65

anmarj

jamieboy wrote: »

I don't think that is correct, my husband will be 65 in May and I am 62, I also paid the married womans stamp. I have been informed by the tax office that I will be entitled to a reduced pension of £58 in May when my OH reaches 65.

you are correct, you can claim when he turns 65 but you can be any age over 60

jem16

anmarj wrote: »

wrong, the op can be any age (over state pension age), she does not wait until she is 65, she has to wait for her husband to be 65

It is not wrong. If she is under 55 at the moment her state pension age is 65 - it may be a few months earlier depending on her exact age.

Any woman born after 5th April 1955 ( which makes them currently under 55 as the OP says she is) will get the state pension at age 65.

anmarj

jem16 wrote: »

You will not get a state pension paid to you until you reach state pension age.
.

she is state pension age, currently it is 60 for woman so this correct as she falls under current rules

jem16

anmarj wrote: »

she is state pension age, currently it is 60 for woman so this correct as she falls under current rules

My post, which you linked to in Post 6, was in answer to the OP who says she is under 55 - her retirement age is going to be 65 ( or pretty close to it depending on exact DOB.)

Jamieboy is however over 60 and thus over state pension age - for her that is entirely different.

I think we are both getting confused between Beenie and jamieboy - their situations are different as one can retire at age 60 and one at age 65.

jennifernil

jem16 wrote: »

That's completely different to the OP's situation. You are already over state pension age which for you is age 60 and yes you can claim 60% of his pension which is paid directly to you.

In the OP's case her husband, however, can claim an additional pension if he has a dependant wife ( i.e. one who is not working). As zygurat789 has posted that would be £156.15 but is paid to the husband. At age 65 she would then be able to claim for her own pension of 60% and this would be paid to her and her husband would revert back to the single pension.

Whether or not the OP would be seen as a dependant wife if she is receiving a pension from her work is something she would need to clarify.

Is the "dependent wife" thing not being removed/altered in some way? I thought I read somewhere that both partners will need to be over retirement age before the extra 60% pension can be claimed on the other spouse's contributions.