Pension of terminally ill

jackyann

A friend was in a similar position a few years ago. The teachers' pension scheme was very helpful - they came to see her at home, and wrote down her options very clearly. I think she just rang and asked!
Was your dad in one of the unions? They might be helpful
Good luck - this is such a sad situation for you.

spat82

jackyann wrote: »

A friend was in a similar position a few years ago. The teachers' pension scheme was very helpful - they came to see her at home, and wrote down her options very clearly. I think she just rang and asked!
Was your dad in one of the unions? They might be helpful
Good luck - this is such a sad situation for you.

I think he was in a union, but unsure. I will ask him but unfortunately his mind is not really there anymore. He struggles to remember so most info is from looking through papers.

I am going to phone to pension people, so will see what they say, just wanting to grasp the basics first.

All the comments are much appreciated.

McKneff

I am so sorry about your dad, it must be heartbreaking for you all,


My thoughts are with you all x
Annie

atush

What age is your mum, and when will she get SP?

The date she claims may affect her pension received IF she doesn't have 35 years on her own record. Have her get a state pension statement of contributions (not a forecast).

xylophone

When is your mother eligible to draw her state pension?
https://www.gov.uk/calculate-state-pension/y/age/female

spat82

My Mum starts her pension in July 2016 i think.

Thinking about it, she may not have full contributions, as she had some time off work when she had children, I think about 10 years.

If that is the case, she may get some benefit from my Dad's?

Thanks again for the kind comments, it is very sad, but trying to look at the positives and enjoy the time we have. Some are not lucky enough to have these last months to do and say what they want

Mojisola

spat82 wrote: »

Thinking about it, she may not have full contributions, as she had some time off work when she had children, I think about 10 years.

She needs to check. If the Child Benefit was in her name, she will have been given credits towards her pension for those years.

atush

But she is retiring JUST after the new flat rate SP comes in, which no longer allows a widow to get 100% of basic SP based on her husbands contributions? I know you can no longer get the 60% wives pension then.

I m not sure about this, nor am I sure if there is going to be any taper relief, as it will be too late for many older women incl your mother to build up extra years.

So get her total number of years (incl 3 years at age 16, all her years working,a nd her years of home responsibility). She needs 35 for a full new flat rate pension in 2016.

jamesd

If she gets a state pension forecast that will say how many years are currently recorded for her. If it is fewer than 35 years and she is not expecting to work until then, and if the forecast is for less than £144 a week, it would be to her advantage to start buying years. Either past years going back up to six tax years or ongoing as a self-employed person, which are cheaper to buy however casual the self-employment is (say a little trading on ebay).