Shortfall in National Insurance Contributions

paulakins

paulakins wrote: »

Please help, have no idea what i am doing but ineed to ask some questions? I am married woman aged 64 , had home responilities from 86 to 94, but i am registered diabled since 1991, getting D.l.A,since then,I dont get any pension but get pension credit through my husband.Can i buy any contributions that would even give even the smallest pension,?please help, paulakins

24/7/09 I have not, been able to work due to disability,but did have h.r. for eight years at least, but am registered disabled since 1991, are these credit of any value towards a pension.Iam imformed i have nine qualifing years .paulakins.

EdInvestor

You are one short of the 10 paid years required to claim a pension at all and thus probably your HRP and years of disabled credits are not being counted.

Cases like yours show how unfair the old state pension rules were.:mad: .

seven-day-weekend

EdInvestor wrote: »

You are one short of the 10 paid years required to claim a pension at all and thus probably your HRP and years of disabled credits are not being counted.

Cases like yours show how unfair the old state pension rules were.:mad: .

Indeed it does.

Can she buy that year so that the others click in?

EdInvestor

seven-day-weekend wrote: »

Indeed it does.

Can she buy that year so that the others click in?

I would suspect not, as you can only buy back up to six years and they will have been accounted for by disabled credits, one assumes. She is too old for the latest concession to buy back earlier years.

seven-day-weekend

EdInvestor wrote: »

I would suspect not, as you can only buy back up to six years and they will have been accounted for by disabled credits, one assumes. She is too old for the latest concession to buy back earlier years.

not good news then.

paulakins

25/7/09,Thanks for all the help, I really wish i could find a way to get that missing year,as it would mean so much to me ,as there is a possiblity that i could go to live abroad with our son, and recieve some income, as ,it is i dont qualify for any money,and if i could go abroad my health would improve, I wont even get my D .L.A allowance if i go. Paulakins

seven-day-weekend

DLA Care Component is payable in the EU providing you meet certain criteria.

(From this link: http://www.disabilityalliance.org/f23.htm )

Exporting or claiming disability living allowance care component in the European Economic Area (EEA)

On 18 October 2007 the European Court of Justice ruled that disability living allowance care component can be paid to people who move from the UK to another country within the European Economic Area (EEA).
Information on claiming disability benefits if you live in another European country and taking disability benefits to other European countries is available on the DirectGov website at www.direct.gov.uk.
You can also find out more information about exporting disability living allowance care component by contacting the Pensions, Disability and Carers Service exportability team:
Exportability Co-ordinator
Room C216
Pension, Disability and Carers Service
Warbreck House
Warbreck Hill Road
Blackpool
FY2 0YE
Email: [EMAIL="exportability.team@dwp.gsi.gov.uk"]exportability.team@dwp.gsi.gov.uk [/EMAIL].

paulakins

This is really good news,and thank you so much,as I did not know it was possible to export D.L.A.I will look into this,and thanks for the links,that would overcome part of my problem,now if i can find a missing year.Paulakins

EdInvestor

paulakins wrote: »

I dont get any pension but get pension credit through my husband.

What do you mean by this exactly? Once your husband receives his state pension, you would be entitled to your own pension worth 60% of his basic SP.

paulakins

Second marriage in 1991,who was then sixty ,and was not long in this country,and does not have a state pension,but gets pension credit for both of us. I would still prefer if i could have some pension in my own right,because my husband is much older, [and ill]so i worry about the future. Paulakins.