Additional State Pension

p00hsticks

mpbdsnu wrote: »

Sorry, but you offer no explanation other than she will not get it? Why won't she get it? And what will she get? That's the whole point in asking the question in the first place!

As you say she's already claiming her state pension, she's completely unaffected by the new rules - they only apply to people who reach state pension age after April 2016. She'll carry on getting exactly what she's getting now.

mpbdsnu

But at the moment she gets less than the £148, so where does that leave my wife? She will be worse off and yet she made additional contributions?

mpbdsnu

bryanb wrote: »

Explanation is in post 9 and 5

No it is not!

Mojisola

mpbdsnu wrote: »

But at the moment she gets less than the £148, so where does that leave my wife? She will be worse off and yet she made additional contributions?

She won't be worse off because she'll still be getting whatever she is getting now.

She won't get the new pension rate (as I won't) because we get our pensions under the old rules.

mpbdsnu

So she will be worse off than those who have made less contributions? That can't be right, surely?

bryanb

mpbdsnu wrote: »

So she will be worse off than those who have made less contributions? That can't be right, surely?

Her and many thousands of us!

p00hsticks

mpbdsnu wrote: »

So she will be worse off than those who have made less contributions? That can't be right, surely?

She'll have reached retirement age earlier than any of the women who fall under the new rules, so in her case what she's potentially lost on the swings she gained on the roundabouts. Depending on when she reached retirement age, she may also have only needed 30 years NI contributions (or 39) for a 'full' pension - under the new rules you'll need 35.

seven-day-weekend

Your wife reached State Pension age before 2016 so will not get Pension under those rules. Her Pension will be what it always has been. Mine is the same, I too won't get the £148.

However, I was allowed to take mine at 60 in January 2010 (under the rules at the time), so will have it for a six years longer than those women who reach retirement age after April 2016.

Swings and roundabouts, as someone else has said.

However, I do think someone who has paid in should get more than someone who hasn't.

mpbdsnu

My wife took her pension at 63, so paid 3 years extra contributions, thats why she gets more that the basic state pension! The same principle should apply when the new rate comes into force!

mpbdsnu

Thanks for your replies.