Adult Dependency Increase for State Pension

jemball

I am 75 yrs old and currently receive a full state pension. I also receive the Adult Dependency Increase (ADI) for my wife who is a housewife. My wife will not be entitled to a full state pension because she will not have paid enough contributions.

I understand that the ADI will stop from 2020, which is one year before my wife reaches state pension age.

I also understand that because I was born before 1950 that my wife will not be able to claim any increase on her state pension, based on my contributions.

So the way I see it is:
1. I will not get any ADI after 2020.
2. My wife will only get a small state pension from 2021.

Therefore our joint income will substantially reduce after 2020 and I should probably find a way to top-up my wife's contributions as much as possible before she reaches state retirement age (in order to increase her state pension). This may depend upon the cost of the top-up.

I would appreciate someone confirming that I have understood the current state pension regulations properly.

Many thanks in advance.

xylophone

http://www.ageuk.org.uk/Documents/EN-GB/Factsheets/FS19_State_Pension_fcs.pdf?dtrk=true

Your wife should obtain a state pension statement - a call to DWP should help clarify how to increase her state pension entitlement.

https://www.gov.uk/check-state-pension

JezR

Did your wife ever pay what was commonly known as the 'married woman's stamp'? If so, when?

greenglide

The new state pension has transitional rules which paid people in this situation an amount which is the equivalent of the CAT-B pension. It is no longer based on the husband's contributions and is a payable to anyone who has a MWRRE (paid the small stamp). It doesn't matter when this is. I seem to recall that it is £65 or so, but that is only a rough guess. A quick Google search hasn't found an accurate rate. The amount is the same as that for widows who were widowed before 6/4/2016 who reach SPa after 6/4/2016.

Look at https://www.gov.uk/state-pension-through-partner/y/married/your_pension_age_after_specific_date/partner_pension_age_before_specific_date/female_gender the amount is £71.50

When ADI ends for all State pension recipients at 6/4/2016 you may have entitlement to Pension Credit, at least until your wife reaches SPa?

You have taken into account the most changes to her SPa date?

missbiggles1

JezR wrote: »

Did your wife ever pay what was commonly known as the 'married woman's stamp'? If so, when?

Or receive NI credits from claiming child benefit or similar benefits?

jemball

JezR wrote: »

Did your wife ever pay what was commonly known as the 'married woman's stamp'? If so, when?

I'm fairly sure that she didn't pay the 'married woman's stamp' as we could not imagine the dependents increase being stopped.

jemball

missbiggles1 wrote: »

Or receive NI credits from claiming child benefit or similar benefits?

We received child benefit for our son (Into our joint bank account ) but were not aware of accruing NI credits.

Mojisola

jemball wrote: »

We received child benefit for our son (Into our joint bank account ) but were not aware of accruing NI credits.

If your wife was the first-named person on the claim, she would have been given credits towards her pension.

missbiggles1

jemball wrote: »

We received child benefit for our son (Into our joint bank account ) but were not aware of accruing NI credits.

If it was your wife and not you who claimed CB then she'd be credited for every year when she was claiming it.

https://www.gov.uk/national-insurance-credits/overview

You'd add this to the number of NICs she'd earned for the years she was in employment (or education 16/19) before she married/started a family.

JezR

jemball wrote: »

I'm fairly sure that she didn't pay the 'married woman's stamp' as we could not imagine the dependents increase being stopped.

It would have been for a period in work, not something paid voluntarily.