pension advice needed for my mother

willgraham

my mum is reaching pension age next year,

the thing is she has not worked a day in her life , my father, her husband was the breadwinner

he passed away almost 10 years ago, since then she moved in with me, where everything is taken care of

i did help my mum to claim jsa a few times in the past but due to her mental health problems she forgot to sign on ,and missed many signing on dates (which messed up my housing benifits) since then she has not signed on

my question is:
can my mother receive anything? even though she has not made any contributions besides the very short time she received jsa

and will it effect my hosing benefits, the multiple times she missed her jsa appointment really messed up my housing benifits

Mojisola

She should start by getting a pension forecast -
https://www.gov.uk/state-pension-statement

BobQ

The quick answer is that she MAY get some form of a pension based on any periods she was "signed on", "ill/unfit to work". She MAY also get some pension based on your Dad's contribution record.

As suggested, best thing is to find out what the records say and then see if there is any reason why they are incorrect.

Otherwise she will have to rely on means tested benefits.

enjoyyourshoes

Hi


not pension but she may be due attendance allowance, two rates, so check out government website (none means tested too)

atush

And see her doctor with her. If she cannot remember appts she might have dementia which could help re benefits

atush

Dementia? See her doctor

McKneff

When your mother gets to retirement age, she should be able to claim on your fathers contributions.


Tell her to ring the DWP for guidance and a pension forecast.


What has your mothers JSA to do with your housing benefit.

willgraham

thanks for the replies

you have to be 65 or over for attendance allowance, thats 5 years off at the moment for my mother


its not Dementia that she has (doctors result)

any widowers here have the same problems that my mother is experiencing
ie
husband was the breadwinner, so you never worked or paid NI contributions in your life , how did it all work out for you in the end?

Mojisola

willgraham wrote: »

my mum is reaching pension age next year

willgraham wrote: »

you have to be 65 or over for attendance allowance, thats 5 years off at the moment for my mother

If your mother is only 60, she won't be able to get her pension next year.

There's a chart on this page -
http://www.thisismoney.co.uk/money/pensions/article-1679780/New-state-pension-age-retire.html

greenglide

any widowers here have the same problems that my mother is experiencing
ie
husband was the breadwinner, so you never worked or paid NI contributions in your life , how did it all work out for you in the end?

It is normal day to day business for the Pension Service.

She should get an invitation to claim about 4 months from State Pension Age and claim as instructed.

The ought to be aware of the position of being widowed and will see she has no entitlement in her own right but will use her late spouse's contributions instead. If he had a full contributions record she ought to get the full basic pension (£113 per week) plus any additional pension from SERPS / S2P he accumulated.

She "may" be entitled to means tested Pension Credit as well.

Pension Service will know this.

robatwork

If she has mental health issues, these are likely to unfortunately get worse.

If you haven't done it already, sort out a power of attorney (LPA)