Joint State pension

mardatha

I was on the gov website the other day and yes it is there. I wondered too.

atush

shackman wrote: »

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.

There is no married pension or joint pension. Period.

Each person earns a pension on their own record (unless you are coming up to SRA before Apr 2016 then one spouse could claim a 60% pension off the contributions of the other).

and your post reeks of envy. Most prudent people (even those on low incomes like my in laws) save for retirement.

margaretclare

People can't be blamed for taking this as gospel when it is stated - albeit wrongly - on official sites.

To state it loud and clear - no, there is no such thing as a joint state pension.

Confusion has arisen from the fact that a married woman who had no earned income of her own, and therefore didn't pay NI contributions, could qualify for 60% of her husband's retirement pension so this was called a 'joint state pension'. She had to wait until he retired, but could have it paid separately to herself. An employed woman who married after April 1978 no longer had the 'married woman's option' i.e. to pay NI contributions at a lower rate and therefore didn't qualify for full state pension in her own right. This group of women will obviously get fewer as time goes on.

If a person qualifies for full state pension in their own right it doesn't matter whether they are part of a couple, or not.

DH and I are married, both qualified for full state pension in our own right, both get it paid into our own bank accounts.

shackman

atush wrote: »

There is no married pension or joint pension. Period.

Each person earns a pension on their own record (unless you are coming up to SRA before Apr 2016 then one spouse could claim a 60% pension off the contributions of the other).

and your post reeks of envy. Most prudent people (even those on low incomes like my in laws) save for retirement.

http://www.nidirect.gov.uk/state-pension-and-pension-credit-rate-how-much-can-you-get

shackman

margaretclare wrote: »

People can't be blamed for taking this as gospel when it is stated - albeit wrongly - on official sites.

To state it loud and clear - no, there is no such thing as a joint state pension.

Confusion has arisen from the fact that a married woman who had no earned income of her own, and therefore didn't pay NI contributions, could qualify for 60% of her husband's retirement pension so this was called a 'joint state pension'. She had to wait until he retired, but could have it paid separately to herself. An employed woman who married after April 1978 no longer had the 'married woman's option' i.e. to pay NI contributions at a lower rate and therefore didn't qualify for full state pension in her own right. This group of women will obviously get fewer as time goes on.

If a person qualifies for full state pension in their own right it doesn't matter whether they are part of a couple, or not.

DH and I are married, both qualified for full state pension in our own right, both get it paid into our own bank accounts.

THANK YOU. You have replied ful;ly. You have explained everything coherently. If ANY of the posters before you KNEW this , they were incapable of writing clear and concise English to explain.

I am HUGELY greatful to you.:j:j

Pollycat

shackman wrote: »

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

Obviously not a lot if they are referring to 'joint pension'.

shackman wrote: »

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

Link please. They need to be told they are posting confusing information.

shackman wrote: »

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.

My reply wasn't pompous at all.
Why - on your first post - didn't you say you'd read it on DWP websites and post a link so we knew what you were talking about?

My bad - I didn't realise I wasn't allowed to tell people they were wrong if I had a large private pension or earned a lot of money.
Please post a link to the MSE rules that specify that rule.

I trust that the replies by Atush and margaretclare have shown you that I wasn't being pompous, just stating the truth.

And why are you asking your question on 'a rich folks' website' which is - to quote you a:

shackman wrote: »

Waste of space

You should maybe consider an attitude adjustment.

Pollycat

shackman wrote: »

http://www.nidirect.gov.uk/state-pension-and-pension-credit-rate-how-much-can-you-get

And you should have said you were based in Northern Ireland.

Mojisola

shackman wrote: »

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

Could you give a link to this.

kidmugsy

The OP scarcely needs a pension. He could eat for years off the vast chip on his shoulder.

shackman

Mojisola wrote: »

Could you give a link to this.

https://www.gov.uk/state-pension/eligibility Scroll to Married or in civil partnership.

I have the info I need, thanks.