State pension let down

Selina_54

I reached 65 on the 2nd of the month but have been told by the pension office they will only start paying my pension from the 8th the the month. They told me this was due to the pension only being paid from the first pay date after you reach 65. I will loose out 6 days pension. How can they get away with this. I have paid for 50 years towards my state pension and expected to be paid from my 65th birthday. How much are they making out of all of the pensions coming up. Has anyone else experienced this?

CannySaver_2

Selina_54 wrote: »

How can they get away with this. /QUOTE]

Because they make the rules! :rotfl:

oldtractor

Think yourself lucky. I am female and will be 66 before I get a pension. Thats 6 years late,not just a few days.

Lokolo

If you made your own pension provisions instead then you wouldn't have this problem.

National Insurance contributions don't go towards just the State Pension.

jem16

Selina_54 wrote: »

How much are they making out of all of the pensions coming up.

Nothing - it's not a big pot of money you have sitting there.

Has anyone else experienced this?

I would imagine that every single pensioner would have as that's the rules.

Next time arrange to be born on the exact payment date and you'll be fine.

casey_junior

Lokolo wrote: »

If you made your own pension provisions instead then you wouldn't have this problem.

National Insurance contributions don't go towards just the State Pension.

Why are you presuming the poster hasn't a private pension as well?
You seem to have a bad attitude.:p

casey_junior

jem16 wrote: »

Nothing - it's not a big pot of money you have sitting there.



I would imagine that every single pensioner would have as that's the rules.

Next time arrange to be born on the exact payment date and you'll be fine.

A smart attitude from a real smartass!:rotfl:

david39

I queried this with the DWP (when it happened to me at 65).

Everyone is allotted a pension Payment Day - the day of the week on which you are paid. This is pure luck - it depends on the calendar month day you were born upon - but the system is worked in that way so that there can be no favouritism as to who gets paid on which day.

Your pension is calculated from the first payday after your 65th birthday and, as the OP has found, this means that most people can go a few days during which they are not being paid - somewhere between 0 days and 6 days.

It has been so since the year dot (probably when the state pension system came into being after WWII) - I don't think losing even the full 6 days means that anyone is making a fortune out of it.

What more concerned me at the time was that my payments still took 6 weeks to start coming through, again because of administrative procedures when you choose to be paid on a 4-weekly basis. I did get paid all I was due, backdated, but it took 6 weeks for it to land in my bank.

le_loup

You'll get it back at the other end. Whoops, no you won't, you'll be dead but your dependents will and they will be grateful. Won't they?

Lokolo

casey_junior wrote: »

Why are you presuming the poster hasn't a private pension as well?
You seem to have a bad attitude.:p

Because someone wouldn't be moaning about getting paid 6 days later.... unless of course they have nothing better to do lol.

RichandJ

Did you pay tax & NI on the first day you started work ? Or was it perhaps a week (or even month) later when you got your first wage packet ?

State pensions were set up in the days when people used to (mainly) stay in the same job from start to retirement. Thus the thinking was, you'd have your last week's wage to live on before you needed your pension.

In any case, the rules have been the same for some time. Didn't you think of looking at them in advance rather than just assuming something then having a rant when reality didn't turn out to meet your assumptions ?