Joint State pension

shackman

Very basic question - I can't find it in the Government's laberynthine web site.:

When a couple are both of pension age, they get a "joint pension".

Is that paid as two component amounts to each person's account or does ONE pensioner receive the single joint payment?

Pollycat

shackman wrote: »

Very basic question - I can't find it in the Government's laberynthine web site.:

When a couple are both of pension age, they get a "joint pension".

Is that paid as two component amounts to each person's account or does ONE pensioner receive the single joint payment?

Who says this is true?

Goldenyears

Two pensioners (doesn't matter whether a couple or not) can nominate separate accounts or just one. If one account the two payments are separately identified by NI number on any bank statement, never joint payment.

dzug1

shackman wrote: »

Very basic question - I can't find it in the Government's laberynthine web site.:

When a couple are both of pension age, they get a "joint pension".

No such thing exists so you won't find it

Pollycat

Goldenyears wrote: »

Two pensioners (doesn't matter whether a couple or not) can nominate separate accounts or just one. If one account the two payments are separately identified by NI number on any bank statement, never joint payment.

It's not a question about accounts that the pension(s) can be paid into.

The OP seems to think that a married couple of pensionable age get a joint State pension - not each a pension of their own.

Maybe a joint pension existed many years ago but not now and - as dzug1 says - that is why the OP can't find it on Gov.UK.

greenglide

The problem is that various people talk about "the married couple's pension". This includes the government, the press etc when this hasnt existed for many, many years.

Now, the nearest thing, is where one partner has entitlement to state pension (usually male for historical reasons) and the other (usually female) has no entitlement of there own (paid the "small stamp" - MWRRE Married Womans Reduced Rate Election). When both partners are over SPa the one with no entitlement can claim on the husband's contributions to get up to 60% pension.

The pensions are always paid separately and people talk about the sum of the two amounts as the "married couples pension".

With the changed from 6/4/2016 bringing in the "new State Pension" the ability to claim on a partners contributions comes to an end but there is transitional protection for people with an MWRRE or an ex-spouse where the marriage has ended (bereaved or divorced) before 6/4/2016.

shackman

Pollycat wrote: »

Who says this is true?

Oh, I don't know. The Government. You know, the Department of Work and Pensions. But hey, what would they know?

shackman

Pollycat wrote: »

It's not a question about accounts that the pension(s) can be paid into.

The OP seems to think that a married couple of pensionable age get a joint State pension - not each a pension of their own.

Maybe a joint pension existed many years ago but not now and - as dzug1 says - that is why the OP can't find it on Gov.UK.

The confusion comes from DWP web sites which quote, repeatedly, the "Joint pension", Married pension rates which are less than double the individual rateas.

Instead of pompous "the op is an idiot" type posts, perhaps you could try to be helpful. But I expect you live on very klarge private pensions or earn a fortune.

johnaka

I thought that the new pensions means that the husband will get £150 & the wife get £150 or there about if both got 35 qualifying years.
this was the point of whole pension change's etc is it not.

greenglide

johnaka wrote: »

I thought that the new pensions means that the husband will get £150 & the wife get £150 or there about if both got 35 qualifying years.
this was the point of whole pension change's etc is it not.

The current pension rules give both partners the same amount if they have the same amount of contributions and the same income.

However at present it is possible to claim on a spouses contributions, this ends with the nSP, apart from transitional protection.

shackman

johnaka wrote: »

I thought that the new pensions means that the husband will get £150 & the wife get £150 or there about if both got 35 qualifying years.
this was the point of whole pension change's etc is it not.

Yes. But that isn't in place yet.