Can housewife claim a pension?

karlmalone

I have a friend who has been a housewife and never worked, her husband passed away 2 months ago.

Is she entitled to any state pension when she reaches reitrement age?

She has no national insurance contributions but her late husband did, is she entitled to any of his state pension?

Batchy

As far as i am aware state pension is not transferable, everyone is entitled to a state pension but depends on NI contributions as to the level, but then it would be grossed up with Pension credits I assume.

I will leave the real answers to the professionals who will be along shortly to answer thou.

Good luck

hugheskevi

She will inherit her husbands contribution record, assuming she does not remarry.

There are a variety of ways this is done, but if your friend is near to 60, and her husband was too then it is likely that she will get a full basic state pension.

It will be worth her talking to DWP and/or HMRC at some point to understand what she will get.

Niggles

Don't forget that if she had children she may well have accumulated Home Responsibility Pension credits which may give her some pension in her own right. However I would expect her husband's contribution record would give her the better pension of the two.

snowqueen555

Can I bump this up instead of making a new thread? I need clarification on this for my mum, she has only ever worked part time here and there and not really paid much at all! Not surprising raising four kids!

Thanks

molerat

Get a pension forecast https://secure.thepensionservice.gov.uk/statepensionforecast/ This will show what her own entitlement is.

jennifernil

karlmalone wrote: »

I have a friend who has been a housewife and never worked, her husband passed away 2 months ago.

Is she entitled to any state pension when she reaches reitrement age?

She has no national insurance contributions but her late husband did, is she entitled to any of his state pension?

Is she not getting a widows pension now? Not sure how it works these days.

When I reached 60 I got a pension based on my husband's contributions, he was already getting his pension. I get 60% of his basic pension.

If he dies before me I would expect to get his full basic amount, but I have not actually checked that out.

McKneff

snowqueen555 wrote: »

Can I bump this up instead of making a new thread? I need clarification on this for my mum, she has only ever worked part time here and there and not really paid much at all! Not surprising raising four kids!

Thanks

If your father is still alive and she has not paid enough NI herself
she can claim a pension of 60% of his pension. (this doesnt affect the amount that he gets.

If he is no longer alive then she will get 100% pension based on his contributions.

seven-day-weekend

Spot on by McKneff

snowqueen555

Hi guys, thanks for the information! They are not of retirement age yet, but not long left!

We'll probably try and pay as much as possible backdated NI, see how that goes as well

-

Oh one more question, women retirement is 5 years earlier, so can she claim before my father?

anmarj

snowqueen555 wrote: »

Hi guys, thanks for the information! They are not of retirement age yet, but not long left!

We'll probably try and pay as much as possible backdated NI, see how that goes as well

-

Oh one more question, women retirement is 5 years earlier, so can she claim before my father?

only if she has an entitlement in her own right, if she needs to claim 60% of husband, he MUST be of state pension age, also remember woman's state pension age started to rise from April this year, so she would not be 60 when she claims her state pension http://www.direct.gov.uk/en/Pensionsandretirementplanning/StatePension/DG_4017919, us this to find out when is is classed a state pension age.