Need help please on private pension

dennywest

She worked from the age of 16 to 65yrs, paying full stamp

tanith

Maybe her husband is the one who has been claiming some kind of benefit without her knowledge , something is not being disclosed here..

jem16

dennywest wrote: »

She worked from the age of 16 to 65yrs, paying full stamp

Then she is fully entitled to her basic state pension of around £100pw PLUS her private pension.

Something is missing from what you are saying.

dennywest

No, neither of them have ever claimed any benefit. What would be the advice now? Where can they go to contest this, because obviously something doesn't add up. You're talikng about a couple here of old school, always done everything by the book and just took it that the decision made was it. It's only that we're sitting here as a family and said that it can't be right, that they have thought twice, that's why i came on here.

dennywest

Jem16, everything i've put on here is it, there's no more. Where do they go now, who can they contest this with??? I was thinking of the CAB, but you may have advice to others that may be more specialised

jem16

dennywest wrote: »

Jem16, everything i've put on here is it, there's no more. Where do they go now, who can they contest this with??? I was thinking of the CAB, but you may have advice to others that may be more specialised

Basic fact is that the state pension is not affected by any private pension entitlement. The only thing that might change this is if she was contracted out and this is what the private pension contains.

Did she contract out of the state 2nd/additional pension?

dennywest

Ok, well at this moment in time i don't know, as she has just gone to take someone home. But what i'll suggest is that she looks through her paper work again and when the man from the DWP comes on wed, that she talks to him again, this time asking questions rather than being told. If it turns out she wasn't contracted out, then i think it best she challenges him there and then or goes to citizens advice. thankyou for your help, have to go as most of family still here.xx

McKneff

She in her own right is paid ful state pension, just over £100 per week, then she would be paid separately for her private pension. Full Stop
One does not affect the other, that is what she should be paid. They cannot change this, I think she is misunderstanding somewhere.

If they are with you ask the male what he gets please, I can understand what you are telling us, but ask him, then we may be able to come to some conclusion.

Im getting that he is witholidn something. (even from you)

jem16

dennywest wrote: »

Ok, well at this moment in time i don't know, as she has just gone to take someone home. But what i'll suggest is that she looks through her paper work again and when the man from the DWP comes on wed, that she talks to him again, this time asking questions rather than being told. If it turns out she wasn't contracted out, then i think it best she challenges him there and then or goes to citizens advice. thankyou for your help, have to go as most of family still here.xx

OK if she is only receiving £100pw for her state pension and they want to reduce this to £70pw then something is wrong. Either it is the DWP that is wrong or your aunt is wrong regarding her contributions. What age is your aunt?

If she had £130pw and they are reducing it to £100pw then it may be something to do with the state 2nd pension. It does seem strange that she has worked all her life and not built up any entitlement to the state 2nd pension.

You certainly need to tell your aunt to ask questions and to check how many years of actual NI contributions she has.

atush

I have to say this is one reason we can't help much with 3rd party questions.

You are not in receipt of the full information here, as a woman who paid a full stamp for that many years, gets a full state pension. Plus the private.

They can only 'take' something back if she had not paid full stamp but married for a period of time, or they were in recept of some sort of bene such at CT or housing etc.

they cannnot take 30 off someone who paid full stamp for the full 44 yrs or whatever, just becasue they have additional income.