What Benefits at 60?

xylophone

That move was given almost 20 years notice. If you consider that short term, how much notice do you think you should have been given?

See http://citywire.co.uk/money/women-s-state-pension-do-you-know-your-retirement-date/a679323

John1993_2

paulwellerfan wrote: »

As a local authority worker i am doomed to work till i am 67/68
who wants a social worker that age!!!!!!!!!!

I don't know if that's a serious question, but I'd probably far rather have a 65-70 year-old social worker than a 21 year-old one.

I'm still put to shame at the cycling club by a 74 year-old (as is nearly everyone else), who I think would be pretty appalled at being written off so quickly.

gadgetmind

John1993 wrote: »

I'm still put to shame at the cycling club by a 74 year-old (as is nearly everyone else)

I'm glad it's not just me! I was struggling to keep up with a 75 yo who was busy telling me about the heart stents he'd had fitted a year ago. I must get me some of those stent things!

xylophone

Because I did not phone from my main address they will now send all my details to the relevant office, where it will "join the queue", and if I haven't heard anything by Christmas to phone again.

I'll be interested to hear what happens about the Contracted Out Deduction.

Dimey

xylophone wrote: »

See http://citywire.co.uk/money/women-s-state-pension-do-you-know-your-retirement-date/a679323

Useful article thanks Xylophone.

Obviously plenty of others are confused by all this. HMRC/DWP included.

gadgetmind

Just use the calculator they provide and all traces of confusion should melt away.

https://www.gov.uk/calculate-state-pension

Dimey

gadgetmind wrote: »

Just use the calculator they provide and all traces of confusion should melt away.

https://www.gov.uk/calculate-state-pension

Trouble is that what you get from the calculator is different to what HMRC/DWP tell you when you speak or write to them. And can be different depending on who you speak to when you get through.

The calculator also doesn't include Graduated, Serps or S2P, which may or may not be included depending on who you talk to.

Last time I was in contact with HMRC/DWP (in July 2013) they said there was no point getting a forecast because we would all be on the basic £145 flat pension. They said number of years NI contributions made no difference so long as it was more than 2 years. And pension age would probably be moved to 68 within the next 5 years.

gadgetmind

Dimey wrote: »

The calculator also doesn't include Graduated, Serps or S2P, which may or may not be included depending on who you talk to.

I thought we were talking about state pension age? Amount is different and for that you need to get a state pension statement.

Last time I was in contact with HMRC/DWP (in July 2013) they said there was no point getting a forecast because we would all be on the basic £145 flat pension. They said number of years NI contributions made no difference so long as it was more than 2 years.

Every part of that is wrong.

Try this fact sheet.

https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/181237/single-tier-pension-fact-sheet.pdf

This is a longer version.

https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/181231/single-tier-pension-executive-summary.pdf

There is another document with the whole blow by blow, but I doubt you want to plough through that.

jem16

Pollycat wrote: »

I'm unhappy about my state pension age (not 'retirement age' as I took early retirement 10 years ago at age 50) moving from 63 years and 6 months (which I had known about for quite a few years ***) to 64 years 9 months at very short notice i.e a couple of years' notice.

*** I'd also be interested if anyone can say when this was announced but I know it was definitely at least 7 years ago as I knew my earlier State Pension date (63 & 6 months) was put into our spreadsheet calculations for my OH to retire early too and we did that in 2006.

All the changes and their dates are in this link which I gave earlier.

http://www.web40571.clarahost.co.uk/statepensionage/SPA_history.htm

jem16

Dimey wrote: »

Last time I was in contact with HMRC/DWP (in July 2013) they said there was no point getting a forecast because we would all be on the basic £145 flat pension. They said number of years NI contributions made no difference so long as it was more than 2 years. And pension age would probably be moved to 68 within the next 5 years.

Your thread on this matter back in April clarified ( or at least I thought it had ) all of this wrong information that you said you got from HRMC/DWP.

https://forums.moneysavingexpert.com/discussion/4546451

You were also advised on several occasions throughout that thread to obtain a state pension forecast which would tell you exactly what you would be entitled to. This would have taken away all of this "confusion". This amount would be your Foundation Amount as per the link I gave you yesterday.

https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/210299/single-tier-valuation-contracting-out.pdf

Have you ever done this? It seems not from your recent posts.