Totally confused over pension

gorgeousgeorge

Can someone please put my mind at rest

My partner has been retired for nearly 2 years now, and I myself don't work.
Now what I'm confused about is whether his pension is for me also, or wether I should be claiming some sort of benefit for myself ?

This is what his pension service calculation letter says

He receives basic state pension of £113.10

Pre 97 additional state pension £65.09
less contracted out deduction (COD) of £22.41
Total payable £42.68

Post 97 additional state pension £27.74
Graduated Retirement Benefit. £4.20

The amount each week is £187.72



He does also have a small private pension he receives yearly, and a small army pension monthly

But a friend told me I should probably be entitled to some sort if benefit in my own right?
Totally confused with it all

Thanks in Advance
,Mel

molerat

How old are you ?

gorgeousgeorge

Sorry... I'm 48 , my partner is 66

gorgeousgeorge

Partner never wanted me to work when he was working, he is old fashioned and believed that he should be supporting me , although I did have a small part time job about 6 years ago, which really put a strain on my body and I suffer from fibromyalgia now, and would struggle to work on a regular basis,.
I just volunteer for 4 hours a week in local charity shop if I'm up to it, as I believe I may have cfs also, but have an appointment with doctor next week to discuss this

gorgeousgeorge

Can anyone give me some advice on whether I should be claiming anything or not? As totally confused
Thank you

HB58

gorgeousgeorge wrote: »

Can anyone give me some advice on whether I should be claiming anything or not? As totally confused
Thank you

You are well under state retirement age so are not due a pension. It sounds as if you would not have enough recent NI contributions to claim contributory ESA ( a sickness benefit) or JSA (you wouldn't be entitled to this anyway unless you were looking for work). These can only be gained through paid work.

It is likely that your husband's income is too high for you to claim income-related ESA,although you could check this by going to turn2us, or a similar site.

If your illness gives you care and/or mobility needs then you might be eligible for PIP (this has replaced DLA for new claims) but you should be warned that people are waiting around a year for a decision and payment.

https://www.gov.uk/pip/overview

McKneff

You should also get a state pension forecast, it sounds as if you haven't anywhere near enough NI credits for a state pension.


Contact the DWP for this

gorgeousgeorge

Thank you very much, I didn't think I would be entitled to anything tbh as my partner has his pension and other pensions. But I most certainly need to look at state pension forecast, and find out what I need to do with regards to NI contributions, as we are not married.
I don't think I would be eligible for PIP either, as my illness can affect me differently on a day to day basis.
Thank you for your help, much appreciated .

sun73

gorgeousgeorge wrote: »

Can someone please put my mind at rest

My partner has been retired for nearly 2 years now, and I myself don't work.
Now what I'm confused about is whether his pension is for me also, or wether I should be claiming some sort of benefit for myself ?

This is what his pension service calculation letter says

He receives basic state pension of £113.10

Pre 97 additional state pension £65.09
less contracted out deduction (COD) of £22.41
Total payable £42.68

Post 97 additional state pension £27.74
Graduated Retirement Benefit. £4.20

The amount each week is £187.72



He does also have a small private pension he receives yearly, and a small army pension monthly

But a friend told me I should probably be entitled to some sort if benefit in my own right?
Totally confused with it all

Thanks in Advance
,Mel

My aunt's husband (who is older than her) received a dependants allowance on top of his state pension when he retired. I'm not sure if it includes a partner or if you have to be married, but he was paid the equivalent amount that a woman who had not paid enough Nat Ins stamps would receive, providing she wasn't earning too much or claiming any other benefits. Check the pensions website.

jackyann

I would definitely get both a state pension forecast and a "benefits check". If you don't have enough NI benefits for a full pension, you may get a smaller one.
I would also look at what you are entitled to in the event of his death (sorry!)
You should also consider paying your NI stamp to make up your years - you have a good while to go before statutory retirement and with a partner so much older than you, you may find it useful. I do recognise that it would be his money you use to make up the NI contributions, but it is definitely worth considering.
That is why I think you need a knowledgeable person (?CAB, or British Legion as partner is ex-services) to talk you through it all. Sorting something out now may make all the difference later.

anmarj

sun73 wrote: »

My aunt's husband (who is older than her) received a dependants allowance on top of his state pension when he retired. I'm not sure if it includes a partner or if you have to be married, but he was paid the equivalent amount that a woman who had not paid enough Nat Ins stamps would receive, providing she wasn't earning too much or claiming any other benefits. Check the pensions website.

That would be the adult depanancy increase, which was abolished in 2010, plus you also have to be married.