National Insurance errors discussion thread

Zach_Mendelsohn

00ec25 wrote: »

why? The rules have been changed, if you think it is a "disgrace" that they were not applied retrospectively to anyone born after an arbitrary date why not pick on 1900 so "everyone"(?) is covered. There are many such instances of "unfairness" across many different areas of legislation. For example, is it a "disgrace" that inheritance tax changes were not backdated, or SDLT rules for first time buyers?

For the reasons I have mentioned.

If she was born perhaps six months later she would have a full state penison.

I know there are many such instances of unfairness but I am only talking about pensions.

And surely grandfather rights apply as she did recieve prior to 2016 a mediocre £87 pounds a year? Yes a YEAR not a week or a month! Which she no longer receives.............!

You need to respond to the relevant post surely.

Rather than remarking on something that vaguely makes another point. I'd prefer support rather than a hindrance by liking something to something different or completely off topic.

All be it goverment related.

#nationaldisgrace #nopensionsforwomen #wheresmypension #nopensiontoraiseafamily #mothersreceivenopensions

Zach_Mendelsohn

So a women born in the 1940s will receive absolutely no state penison but those born in 1950s do?

Let me clarify this:
So If a women has, whilst raising a family, not paid the sufficent NI Contributions (because they were not working and were raising a family) and despite receiving Child Benefit they will not receive a state penison?

What does this say about the goverment, equal pay, rights for women and having a true respect for our mothers and the times and traditions that we were raised in.

Beggars belief

Astounded!!

#Fem2 #everydaysexism #nopensionforwomen #pensionsexism #beggarsbelief #yourkiddingme
#nationaldisgrace #nopensionsforwomen #wheresmypension #nopensiontoraiseafamily #mothersreceivenopensions

zagfles

Zach_Mendelsohn wrote: »

So a women born in the 1940s will receive absolutely no state penison but those born in 1950s do?

Let me clarify this:
So If a women has, whilst raising a family, not paid the sufficent NI Contributions (because they were not working and were raising a family) and despite receiving Child Benefit they will not receive a state penison?

What does this say about the goverment, equal pay, rights for women and having a true respect for our mothers and the times and traditions that we were raised in.

Beggars belief

Astounded!!

#Fem2 #everydaysexism #nopensionforwomen #pensionsexism #beggarsbelief #yourkiddingme
#nationaldisgrace #nopensionsforwomen #wheresmypension #nopensiontoraiseafamily #mothersreceivenopensions

!!!!!!. There's no point ranting here. We're not the government of the 40's and the 70's who made the rules. And there's no point using hashtags. That's for the simpletons on tw*tter. If you actually want any help, or explainations, rather than just to rant it's not fair...

Re the previous £87 a year she no longer gets. That would imply it's additional state pension, so was she in a contracted out occupational scheme? Ie one that replaces some of the state pension? Is she getting an occupational pension? She might be getting above inflation increases on the GMP part of that pension (the GMP is the bit that replaced part of the state pension) and as a result the actual state pension she gets paid is reduced.

Re the government gateway account. Instead of ranting how unreasonable it is to expect a 70 year old to use a computer, why don't you actually help her with it? Check her NI record, you might find she opted to pay the reduced married woman's stamp, which meant she wasn't paying into the state pension pot so not building entitlement. This was a choice married women could make. Like with any pension, if you choose not to contribute, who don't build pension.

Is she getting pension credit? That'll take income up to at least £163 a week, on top of any housing benefit, council tax benefit etc.

Zach_Mendelsohn

Sorry I know your not the Goverment. And yes got a bit carried away.

No she was not in a contracted out pension scheme.

I have already set her up with a goverment gateway account, checked her records filled out all the relevant CF411 forms both online and offline and sent them in for her.

But the have still said she is not entitled to anything without giving any reasonable explanation. Or advising her on what she can do next apart from appealing.

There is no mention of reduced married woman's stamp on her records and she does not think she opted for this. Plus she has not been married for the last 35 years.

We are now looking at Pension Credits.

She gets no housing benefit or council tax benefit she rents a property with her partner of 70 yrs and they now have no savings.

Silvertabby

Zach_Mendelsohn wrote: »

Sorry I know your not the Goverment. And yes got a bit carried away.

No she was not in a contracted out pension scheme.

I have already set her up with a goverment gateway account, checked her records filled out all the relevant CF411 forms both online and offline and sent them in for her.

But the have still said she is not entitled to anything without giving any reasonable explanation. Or advising her on what she can do next apart from appealing.

There is no mention of reduced married woman's stamp on her records and she does not think she opted for this. Plus she has not been married for the last 35 years.

We are now looking at Pension Credits.

She gets no housing benefit or council tax benefit she rents a property with her partner of 70 yrs and they now have no savings.

Regardless of your mother's NI record, she could be entitled to means tested pension credit etc. However - and this is the big however - you say that she is living with a partner. In that case, the means test is applied to the household income, not just her income. If her partner's income is over a certain limit, then neither will qualify for means tested benefits.

That is how the benefits system works (or should work).

ADD:

NI credits for home responsibility only started in 1978. In view of her age, is it possible that all of her children were too old for child benefit payments - and thus NI credits for her - by then? Or it may be that she had time to accrue a few years of NI credits from 1978 until her youngest ceased to be eligible for child benefit, hence her 9 years of NI. Was she not offered the opportunity to pay for at least one more year of NI, thereby taking her over the 10 year minimum required to qualify for at least some State pension ?


Further Add:

Is it the case that the £78 per year she used to receive was the additional pension she inherited from her husband, and that it ceased once she began to co-habit with her current partner?

zagfles

Silvertabby wrote: »

Regardless of your mother's NI record, she could be entitled to means tested pension credit etc. However - and this is the big however - you say that she is living with a partner. In that case, the means test is applied to the household income, not just her income. If her partner's income is over a certain limit, then neither will qualify for means tested benefits.

That is how the benefits system works (or should work).

ADD:

NI credits for home responsibility only started in 1978. In view of her age, is it possible that all of her children were too old for child benefit payments - and thus NI credits for her - by then? Or it may be that she had time to accrue a few years of NI credits from 1978 until her youngest ceased to be eligible for child benefit, hence her 9 years of NI. Was she not offered the opportunity to pay for at least one more year of NI, thereby taking her over the 10 year minimum required to qualify for at least some State pension ?


Further Add:

Is it the case that the £78 per year she used to receive was the additional pension she inherited from her husband, and that it ceased once she began to co-habit with her current partner?

Good points but just a correction - NI credits for child benefit claimants/carers did not start until 2010, the PP's mother reached state pension age in 2009, and under the rules then HRP reduced the number of years required, it did not actually give NI qualifying years.

Zach_Mendelsohn

Children were born in 1974 and 1975 and 1987.

Her partner recieves also a small pension and neither have assets or own a property.

None of the records on her NI take into account anychild benefit,

The 9 years of records are from work.

She now receives no state pension because in 2016 they changed the minimum qualification to 10 years. So also would not have been offered to pay an extra year to qualify as you can only do that upto 6 years prior.

She inherited no pension from her husband they divorced in the 80s. she has been with her current partner for about 30 years.But are unmarried.

zagfles

Zach_Mendelsohn wrote: »

Children were born in 1974 and 1975 and 1987.

Did she definitely claim child benefit/family allowance for them? (ie not her husband/partner)

Her partner recieves also a small pension and neither have assets or own a property.

None of the records on her NI take into account anychild benefit,

The 9 years of records are from work.

Normally 9 years would not be enough to get any state pension (pre 2010 rules), however with HRP I believe it would but can't find the info to confirm.

Presume the NI record make no mention of reduced married woman's stamp?

She now receives no state pension because in 2016 they changed the minimum qualification to 10 years. So also would not have been offered to pay an extra year to qualify as you can only do that upto 6 years prior.

The 2016 changes didn't affect people already getting state pension. The small amount she was getting before that I think must either have been SERPS, or pension based on her ex husband's record, which even if they split in the 80's I believe she'd have an entitlement. But if it disappeared then I can only think it's SERPS with a contracted out scheme - what was her job for those 9 years? That'll help give a clue?

She inherited no pension from her husband they divorced in the 80s. she has been with her current partner for about 30 years.But are unmarried.

Some light reading if you want to work it out yourself - this gives a good guide to the historic state pension rules: https://www.ifs.org.uk/bns/bn105.pdf


ETA: and here's a calculator for pension credit - note as mentioned it's on household income so partners income/savings details required too : https://www.gov.uk/pension-credit-calculator

sheramber

Home responsibility protection started in April 1978

http://www.thisismoney.co.uk/money/pensions/article-1616017/Womens-pensions-Home-Responsibilities-Protection.html


If she had elected to pay the married woman's stamp she would lose that right when she divorced so would pay the full stamp after that date depending if her income was high enough.

https://www.gov.uk/reduced-national-insurance-married-women