wifes pension

Mojisola

My Mum and Dad had help from the Pensions Service - https://www.dwp.gov.uk/about-dwp/customer-delivery/the-pension-service/

They went through everything Mum and Dad had coming in and told them some things they were entitled to that we didn't know about. They filled in the forms and made it all very easy.

margaretclare

tuts1230 wrote: »

thanks very much for that,not at my sharpest ,I thought you meant she took 60% of mine,phew that sounds better:T.she shakes me down now to see I am not hiding anything.LOL:j

No, she does NOT take 60 of yours and leave you with 40% of the total! This whole thing about pensions, spouses, all of it, is so confused and it doesn't help when wrong information is given out. What she can do is to use your NI record and get 60% of what you get without it affecting what you get in the least. For a widow claiming against her late husband's record she can get 100% and even for a divorcee this applies.

The idea of it being 60%, I suppose, is on the assumption that 2 can live cheaper than one. He gets 100% and pays most of the bills, she gets 60%, total 160%.

Usually nowadays a woman is given the choice of getting her own NI pension if that is more favourable. I was given the choice of qualifying under my own NI record or of that of my late husband. I chose the former because that was more favourable to me.

margaretclare

Further to my post # 7 above, I have received a reply to my email:

Dear Mrs S

Thanks for your email. Your feedback is greatly appreciated.

We have updated our website to remove all inappropriate references to
'married couple's pension'.

Regards
David Shufflebottom MPMI
Technical Specialist

Direct Line: 020 7630 2263
Email: david.shufflebottom@pensionsadvisoryservice.org.uk

Advice given by The Pensions Advisory Service is an opinion given in
good faith on the basis of the documents and information made available
but The Pensions Advisory Service cannot be held responsible in law for
opinions expressed, nor should any such opinion be regarded as grounds
for legal action.

The Pensions Advisory Service Limited
11 Belgrave Road
London
SW1V 1RB
Company limited by guarantee registered in England No. 2459671
Pensions helpline: 0845 601 2923
General office: 020 7630 2250
Fax: 020 7233 8016
https://www.pensionsadvisoryservice.org.uk

---

Original Message

---

From: Margaret [mailto:margaretc@metoll.co.uk] Posted At: 11 June 2011
10:36 Posted To: [F] JUN
Conversation: Married Couple's Pension
Subject: Married Couple's Pension S47169

I wish you would stop talking about 'married couple's pension'! You
should be aware, there is no such thing and has not been, for a number
of years now.

It is my understanding that each person gets his/her own retirement
pension.
A woman who doesn't have enough NI conts in her own name can claim 60%
of what her husband gets, but she gets it separately, paid into her own
bank account. If she has enough NI conts in her own name then she gets
her own state pension. In neither case does this amount to a 'married
couple's pension'.

Margaret S

RichandJ

margaretclare wrote: »

Further to my post # 7 above, I have received a reply to my email:

Dear Mrs S

Thanks for your email. Your feedback is greatly appreciated.

We have updated our website to remove all inappropriate references to
'married couple's pension'.

Regards
David Shufflebottom MPMI
Technical Specialist

Direct Line: 020 7630 2263
Email: [EMAIL="david.shufflebottom@pensionsadvisoryservice.org.uk"]david.shufflebottom@pensionsadvisoryservice.org.uk[/EMAIL]

Advice given by The Pensions Advisory Service is an opinion given in
good faith on the basis of the documents and information made available
but The Pensions Advisory Service cannot be held responsible in law for
opinions expressed, nor should any such opinion be regarded as grounds
for legal action.

The Pensions Advisory Service Limited
11 Belgrave Road
London
SW1V 1RB
Company limited by guarantee registered in England No. 2459671
Pensions helpline: 0845 601 2923
General office: 020 7630 2250
Fax: 020 7233 8016
www.pensionsadvisoryservice.org.uk

---

Original Message

---

From: Margaret [mailto:margaretc@metoll.co.uk] Posted At: 11 June 2011
10:36 Posted To: [F] JUN
Conversation: Married Couple's Pension
Subject: Married Couple's Pension S47169

I wish you would stop talking about 'married couple's pension'! You
should be aware, there is no such thing and has not been, for a number
of years now.

It is my understanding that each person gets his/her own retirement
pension.
A woman who doesn't have enough NI conts in her own name can claim 60%
of what her husband gets, but she gets it separately, paid into her own
bank account. If she has enough NI conts in her own name then she gets
her own state pension. In neither case does this amount to a 'married
couple's pension'.

Margaret S

Good Lord, you actually managed to get a public sector body to change something on one e-mail ?

I'm astonished.

Power to the People !! Well, margaretclare anyway - can you now sort out the welfare budget, the NHS, the prison system and while you're at it, increase the defence budget by about 300% ?