retired houswife pension entitlement

greenglide

gadgetmind wrote: »

I have suggested to my wife that we divorce briefly so that my SIPP is shared around more evenly, but I got "the look" and haven't raised it since.

This was a common idea at work several years ago. "Everybody" knew that by divorcing the day before SPa and remarrying the day after (even the same person!) people with an incomplete contributions records could make a fortune.

Nobody actually did it though!

Once nSP is upon us (it is only next year) the the transition rules limit inheritance significantly and the whole concept comes to an end.

greenglide

McKneff wrote: »

I cant remember the years for Home respoinsibilites but both my children were born 1968 and 1972 and I claimed family allowance for them both till they left college etc and I didn't qualify for it, so I don't think that will help at all.

But had you paid the full rate NI before leaving work?

If not HRP is not an option.

anmarj

Mojisola wrote: »

I don't think this is right.

I know what Greenglide is saying, and they are right, HRP only reduced the number of years that somebody needed to claim a full SP, BUT they still need to pay the FULL stamp in employment in order to get the qualifing year as a count towards the State pension. Under the old rules which the OP mum would fall under, she would still need to have paid the 25% to get minimum but would need less qualifing years to get that if they had HRP on their claim

xylophone

https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/373460/dwp040-oct14.pdf

for your parents to read.

sheramber

I paid full stamp until I married in 1968 when I elected to pay the married woman's stamp.

I stopped working in 1972.

When the married woman's stamp was discontinued for new applicants anyone already paying it had to request to continue paying it otherwise they were moved over to pay the full stamp.

As I was not working when the change took place I did not request to stay on it.

When I recommenced working in 1991 I automatically paid full stamp.

In the meantime I was given HRP credit from 1978 for the years I was claiming CB and not working.

I receive 32/39 of the state pension amount.

Mojisola

greenglide wrote: »

But to qualify for HRP you used to (and may still have to) have paid full rate contributions before the protection started.

If you werent paying contributions before, what is there to "protect".

anmarj wrote: »

I know what Greenglide is saying, and they are right, HRP only reduced the number of years that somebody needed to claim a full SP, BUT they still need to pay the FULL stamp in employment in order to get the qualifing year as a count towards the State pension.

I read greenglide's post to mean that if you hadn't been paying a full stamp before you had your children, you couldn't claim HRP.

anmarj

Mojisola wrote: »

I read greenglide's post to mean that if you hadn't been paying a full stamp before you had your children, you couldn't claim HRP.

yeah, seeing it like that then I was wrong, the statement is incorrect.

gadgetmind

Sharp doesn't enter into it as logical and rational thought isn't a great predictor of what might be due regards state pensions and various top ups. It's massively complicated and TBH no-one really knows until they ask.

jackyann

I also think it likely (though not impossible) that 2 years' part-time work will not produce any qualifying years.

I am sympathetic to women who feel that they were not given proper information, but I remember even as a child taking leaflets from the Post Office about pensions to read whilst I waited in the queue, so the information was there (I am still an inveterate "leaflet reader")