State Pension based on spouse's contributions

seven-day-weekend

How much money is it? I know its 60%, but 60% of what- the basic state pension, or does it include any SERPS, or SSP?

I hasten to add this does not apply to me, I have a full State Pension in my own right, but just want to know how much extra I have by paying full contributions for all those years!

CIS

Only the basic state pension - the claimant can claim a top up of their own basic pension to no more than 60% of their spouses basic pension(Max £50.25), on top of this they get their own Graduated and Additional Pensions.

seven-day-weekend

Surely if they do not have enough to get a full State Pension in their own right they will not have much in the way of Graduated and Additional pensions?

Thanks for your reply!

seven-day-weekend

My friend who has never paid any full stamps gets £45 per week (this is what she's told me) .

So I will get nearly double the SRP (£84) that she does plus my occupational pension of (on today's rates) £41 per week.

So it WAS worth my while then!

Thanks again.

CIS

A person can accrue Additional Pension (and/or accrued Graduated pension)and still not reach the level to get a pension - you could earn £100K ayear for 10yrs, stop work and then still not get a pension becasue you only have 10 yrs and not the minimum 11yrs - you'd probably get around £25p/w Additional Pension.

Its similar with women, they could earn £100Ka year for say 10yrs, get £25p/w additional pension, but still need to claim off her husband to get a reasonable basic state pension.

A woman who doesn't meet the qualifying conditions for a pension in her own right can still claim a 60% of her husband providing he meets the qualifying conditions for a state pension of his own.

Thats why we used to have to be careful about advising women to pay NI to increase their own pension, we had to make sure that she would earn it back before she got to the point of claiming off her husband, otherwise it wasn't worth her while to pay.