State Pension Claim Form & Separated from Husband

texet

The only thing that puzzles me now then is why they need to know my husband's details on this form when it has no effect on how much I receive myself?

mark5

texet wrote: »

The only thing that puzzles me now then is why they need to know my husband's details on this form when it has no effect on how much I receive myself?

Because he can claim a pension worth 60% of yours if it's more than he's entitled to himself.

Does it really matter what he can claim, I'm sure if you could claim a bigger pension based on his contributions you would. It's the tax payer who loses out not you but perfectly legal.

texet

it does not effect me you are right but I'd prefer it if he didn't benefit from me whatsoever! haha

Mojisola

texet wrote: »

I am separated from my husband though not divorced - we have lived separately for years and are not on speaking terms.

texet wrote: »

it does not effect me you are right but I'd prefer it if he didn't benefit from me whatsoever! haha

In that case, you should have divorced him and cut all legal ties.

brewerdave

texet wrote: »

Hi,

I have decided to claim my state pension - I am eligible as all my NI contributions have been paid and are up to date etc

I have started filling out the online form at gov.uk and am now unsure how to proceed with regards my marital status.


Why do they use my husband's details for anyway and how should I proceed?

...I would presume they require those details if you had insufficient NI credits to qualify for a State pension in your own right -its a generic form and some wives/husbands claiming will be dependent on their OH 's contributions for the partial pension.

atush

Mojisola wrote: »

In that case, you should have divorced him and cut all legal ties.

I completely agree. If you got run over by a bus tomorrow (or given the weather hit on t he head with a tree branch) he would get everything you have.

Do you want that?

Get a divorce, make a will. Do something. Do you have a private pension?

bouicca21

Texet, I am in the same position as you, separated, not divorced. It is vital to make a will, so that your money goes where you want it to at your death.

Alter_ego

Mojisola wrote: »

In that case, you should have divorced him and cut all legal ties.

As I understand it divorce makes no difference, You can still claim on a divorced spouse's NI contributions in respect of the years you were married.

Mojisola

texet wrote: »

I am separated from my husband though not divorced - we have lived separately for years and are not on speaking terms.

Alter_ego wrote: »

As I understand it divorce makes no difference, You can still claim on a divorced spouse's NI contributions in respect of the years you were married.

So if they had divorced years ago when they separated, he would only have been able to claim for the years of the marriage whereas he's now had the benefit of all her NI contributions (if he really has claimed a pension by that means).

He also wouldn't be entitled to inherit from her if she dies intestate.

sleepless_saver

Mojisola wrote: »

Then he will have been able to claim a pension based on his own contributions or based on yours, depending on which would give him the higher amount.

He would not be able to do this until they both reach state pension age, which it sounds like the OP has not done yet (unless she has deferred).