State Pension

dgethin

I recceived my state pension details to day (I'll be 65 in September) and was surprised that the figure quoted was £116.75 per week. I'm a married man and my wife works part time. She is four year's younger than me and hasn't paid any National |Insurance since 1979. Upon investigation I found that my pension is only £6pw more than a single persons' state pension. This can't be right....can it?

Whiteknight

Your State Pension is based on what you have paid - makes no difference what your wife may have paid. You actually have £6 a week more than the basic State Pension

dgethin

The single persons pension is near enough the same as mine (Married)

Torry_Quine

Your pension is a single person's pension though not a married one which doesn't actually exist in that form.

Your sife won't have reached her pension age yet and that will be worked out on her NI contributions or she will get 60% of the pension from your contributions.

dgethin

So really I am classed as a single man , although I am a married man. So does that mean that I won't be a married man till my wife reaches pension age.
What will my pension be when my wife reaches pension age?

killerkev

Your wife will get a state pension when she reaches her pension age so as others have said you have earned £6 a week more, would have been more you must have contracted out of SSP, maybe into a works pension

Mojisola

dgethin wrote: »

So really I am classed as a single man , although I am a married man. So does that mean that I won't be a married man till my wife reaches pension age.
What will my pension be when my wife reaches pension age?

Your pension will stay the same. Your wife will get her own pension.

You might also be entitled to Pension Credit if your income is low.

killerkev

dgethin wrote: »

So really I am classed as a single man , although I am a married man. So does that mean that I won't be a married man till my wife reaches pension age.
What will my pension be when my wife reaches pension age?

Your pension will be the same but your wife will get her own pension, at 61 she can't be far away , as she works part time she will have her own NI record

Mojisola

killerkev wrote: »

Your pension will be the same but your wife will get her own pension, at 61 she can't be far away , as she works part time she will have her own NI record

Not necessarily - it depends on how many hours she works a week.

killerkev

Mojisola wrote: »

Not necessarily - it depends on how many hours she works a week.

Yes we don't know what his wife's record is she might even have worked full time at some point in her life!!
He should get a pension forecast for her!

Torry_Quine

He does say she hasn't paid NI since 1979. She could have credits from children and paid NI before then so I agree a pension forecast is a good idea.