State pension?

maxie014

How much state pension do you get if youve paid no ni contributions?
My mrs hasnt paid any for years,but some people i know get pension despite not having worked for 20 years before retiring?
How does that work?

bigfreddiel

No contributions = no state pension

Of course there are other circumstances that may contribute towards some years credit for a state pension, check out the .gov pages on this

The current state pension system requires a minimum of ten years worth of NI contributions.

Hope that helps for starters, more knowledgable people will be along soon

Good luck fj

xylophone

Your wife is currently aged 49 and works part time in local government - she makes around £800 a month.

Thanks for the replies,she only makes about £800 a month part time hours,just thought me paying avc would push me into paying tax in retirement in 10 years time,and would maybe be better paying more into hers.
Just had a look on her pension site she can pay top ups for 10 years which work out at £114 a month per £1000 extra pension a year,although she will only be 59 by then.

At £184 a week I'd have thought she would be paying NI.

http://taxaid.org.uk/guides/information/issues-for-employees/employee/national-insurance-contributions

If she had children then NI credits would have been available and presumably she has worked full time in the past.

She and you can obtain new state pension statements.

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

NI credits are and have been available in various situations.

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

maxie014

Shes not paying any NI just looked at her wage slips.
Pension forecast is £155?

maxie014

We have 3 kids,she never worked for a few years,how long do you get ni credits? just till she started work again?

p00hsticks

maxie014 wrote: »

We have 3 kids,she never worked for a few years,how long do you get ni credits? just till she started work again?

Assuming you are getting child benefit and it's her name, she'll have been getting Class 3 NI credits each year until the youngest reaches 12

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

p00hsticks

maxie014 wrote: »

Shes not paying any NI just looked at her wage slips.
Pension forecast is £155?

How many NI years did it say she had ?
There should be two figures given - what she is entitled to as of now and what she could get if she continued gaining NI years until State Pension Age.

maxie014

Not sure about NI years just said £133 as of now,and 155 age 67.

nickcc

My Wife stopped going out to work when we had our first Child, the pension she receives is app £70 per week, this is based on my NI contributions.

maxie014

Theres a few folk round my way never had a job,ever! but they seem to manage ok pension wise.

missbiggles1

maxie014 wrote: »

Theres a few folk round my way never had a job,ever! but they seem to manage ok pension wise.

If you're claiming JSA (or various other benefits) you get NI credits which can give you the full basic SRP. Depending on household income, this may be tooed up by pension credit.