Deferring SP

FLAPJACK

Hi,

My wife will be able to get her SP next year although she has already turned 60.

Her SP won't be the full amount as she has only just over 10 years NI contributions.

The question is ....would she be able to enhance her SP by deferring it for a couple of years, or would she not be able to do this as she hasn't got the full NI contributions.

Thanks...

hugheskevi

Her SP won't be the full amount as she has only just over 10 years NI contributions.

Just to check that this includes credits for bringing up children, etc, as there are many ways to accrue qualifying years.

If in any doubt get a State Pension forecast.

The question is ....would she be able to enhance her SP by deferring it for a couple of years, or would she not be able to do this as she hasn't got the full NI contributions.

Yes, she could defer it, despite not having a full record.

FLAPJACK

Hi,

Thanks for the prompt reply!

Sorry I forgot to include a useful piece of info:o she came here 10 years (just over) from Canada.

She worked for the NHS for 10 years and is getting a small FS pension from them now, she is also attempting to find out if she can get her Canadian SP paid here....although that will be small too as while in Canada she didn't work until her children had grown up.

She has already got a SP forcast, it was only today when I explored the possibility of deferring her SP I realised that it would ehance it somewhat but then I thought maybe you can't do that if you haven't got the full NI contributions....so thank you for clearing that up.

Thanks

McKneff

Dont know about the Canadian slant on it but when i took my SP about 18 months ago I only had 50% contributions, I therefore claimed on my husbands contributions at 60% worth asking the DWP if that can apply in her case.

FLAPJACK

Hi McKneff,

Unfortunately (as far as I know) she is unable to claim on my full NI contributions until I get my SP at 66.....I take it your husband is already getting his SP?

McKneff

ah, yes, forgot about that, yes, my oh is 67,

My sister is in this position, she is 64 and cant get hers till BIL claims his in Feb.or so.

A question from me to others.

BIL is 65 in Feb, will his sp be claimable then or is his moved by the government too to a later date., when does the change come in for later payments.

jem16

McKneff wrote: »

BIL is 65 in Feb, will his sp be claimable then or is his moved by the government too to a later date., when does the change come in for later payments.

Not due to start changing till 2018.

McKneff

Thanks Jem, Phew, my sister is so looking forward to getting her pension, even if it is only 60%.

kidmugsy

OP: once you reach your State Pension Age your wife will presumably claim a 60% pension by virtue of your NI contributions. You therefore need to be sure that any extra pension she has accrued by virtue of deferring her own State Pension will continue after that. It's my understanding that it should do, but in your shoes I'd want more certainty than someone's "understanding" on the web.