Marriage and my pension.

swingaloo

I am female ages 63 and receive the state pension.


I live with my partner who is 11 years younger than me and is disabled but not due to receive the state pension until he is 67, another 14 years yet.


We are discussing getting married this year.


Am I right in thinking there will be no effect on my state pension until he reaches state retirement age when presumably we will get a state pension based as a couple.

coyrls

See the extensive discussion here: https://forums.moneysavingexpert.com/discussion/5206229

Mojisola

swingaloo wrote: »

I am female ages 63 and receive the state pension.

I live with my partner who is 11 years younger than me and is disabled but not due to receive the state pension until he is 67, another 14 years yet.

We are discussing getting married this year.

Am I right in thinking there will be no effect on my state pension until he reaches state retirement age when presumably we will get a state pension based as a couple.

If he has enough NI contributions, he will get a pension based on those.

Linton

swingaloo wrote: »

I am female ages 63 and receive the state pension.


I live with my partner who is 11 years younger than me and is disabled but not due to receive the state pension until he is 67, another 14 years yet.


We are discussing getting married this year.


Am I right in thinking there will be no effect on my state pension until he reaches state retirement age when presumably we will get a state pension based as a couple.

State pensions for those reaching State Pension Age after 2016 are based on individual circumstances (For those retiring prior to 2016 there could be opportunities to claim some pension based on spouses contributions if the NI record was small). Whether you are married or not makes no difference. When you get married there will be no effect on your pension and no extra benefit to your future husband.

Alter_ego

Linton wrote: »

State pensions for those reaching State Pension Age after 2016 are based on individual circumstances

So are pensions for those reaching SP age before 2016.

Linton

Alter_ego wrote: »

So are pensions for those reaching SP age before 2016.

Except for the ability to claim off your spouses pension under some circumstances.

Mojisola

Linton wrote: »

Except for the ability to claim off your spouses pension under some circumstances.

You don't claim off your spouse's pension but your spouse's NI contributions. The pension you then receive is in your individual name - not a joint pension.

xylophone

https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/181235/derived-inherited-entitlement.pdf

The above might be worth a look.

Linton

Mojisola wrote: »

You don't claim off your spouse's pension but your spouse's NI contributions. The pension you then receive is in your individual name - not a joint pension.

We are being a bit pedantic arent we? It is the one example where being married makes a difference.

Unless one goes into a vast amount of detail in answering these sorts of questions one has to give a broad brush reply where the details dont affect the OP.

swingaloo

Thank you all for the replies.

Mojisola

Linton wrote: »

We are being a bit pedantic arent we? It is the one example where being married makes a difference.

Unless one goes into a vast amount of detail in answering these sorts of questions one has to give a broad brush reply where the details dont affect the OP.

I don't know about you but I don't think that I am being pedantic.

"Claiming off your spouse's pension" could be taken to mean that the spouse's pension is reduced and some of it diverted to the spouse whereas what happens is that both spouses get their individual pensions but both are based on the NI record of one of them.