New State Pension Guide

gadgetmind

saver861 wrote: »

Ah right .... that explains the quantity of your posts on MSE then ..

Ssssshhhh!

Well, anybody from age about 40 upwards may have left school at 18. Thus, anyone leaving school in the 90's would have very little exposure to IT and it would have been considerably different then. The internet as we know it really only developed from about 2000.

16 in many cases, or 14 for my parents. Both of them are around 80 and both are perfectly happy with iPads etc.

BTW, I did look at the stats for internet access before posting that last message, and the only problem group are the over 65s.

saver861

greenglide wrote: »

I don't know but I do believe that they shouldnt have done. If the forecast had been truly complex then there would be a case

Well they only reason they would have changed it realistically is that it was misunderstood. While you may not think it neccessarily complex, it would seem the majority of recipients did - thus the change.

greenglide wrote: »

Maybe they should ask what your current level of understanding of what you have asked for and filter the response according to the ability to process the data?

But how would the assess their current level of understanding - what would they be comparing against. In addition, the complication of providing different designs for essentially the same information would be too onerous for administration purposes.

anothermam2

Thanks for your help, I def did not contract out.
The years quoted say I paid in full for all 31 years as each year is listed separately and all say full year. Under the old system I was due to get full basic pension due to having 30 years. I expected to get less due to qualifying years rising to 35 years. However I cannot remember the quote for the old system.

saver861

gadgetmind wrote: »

Ssssshhhh!

Well, as you will certainly have noted from my posts, I am a man of incredible honour, intellect, charm and looks to die for.

However, in case of doubt, my silence can be bought ....

gadgetmind wrote: »

BTW, I did look at the stats for internet access before posting that last message, and the only problem group are the over 65s.

Internet access and internet skills would be somewhat different. I'm not sure where you got the stats from but generally speaking the older the age group the lesser the skills.

SnowMan

anothermam2 wrote: »

Thanks for your help, I def did not contract out.
The years quoted say I paid in full for all 31 years as each year is listed separately and all say full year. Under the old system I was due to get full basic pension due to having 30 years. I expected to get less due to qualifying years rising to 35 years. However I cannot remember the quote for the old system.

When you log into the online system under the 'forecast' tab if you scroll down there is a figure for

'Amount based on your latest National Insurance record (5 April 2015)'.

Can you see that and what does it give as the amount?

anothermam2

I guess I will have to continue with phoning future pensions when my quote comes through. They will then give me some figures, then finally ring HMRC and hope for the best that I just have to pay 4 more years. If I have to pay more, everything I have read would seem to be incorrect or terribly confusing

anothermam2

119.30 a week

anothermam2

I am guessing I have to buy more years than I need as it is a lump sum payment, nothing explains how many years you would have to pay so I just assumed I would have to make it up to the 35.

SnowMan

anothermam2 wrote: »

119.30 a week

Sorry that doesn't make sense at all for the reasons I said earlier.

Most employer (defined benefit) pension schemes many years ago were contracted-out of the additional state pension, although some employees didn't realise that. Don't want to drag the point on, but is there no possibility you were a member of an employer pension scheme and didn't realise you were contracted-out?

I'm trying to think of some unusual scenario to explain this, but I can't

You are too young to have been paying reduced rate married women's contributions.

Because it doesn't make any sense to me, I can't really say anything useful

anothermam2

The figures quoted on mse website say if I buy 5 years it would cost me 3445, giving me 1156 a year. This is only an extra £22 which would not take me up to £155. I know these figures are general but still.