Longer term deferring

anmarj

Remember rules before April 2005 were different for those who had not claimed. The lump sum only came in from then, it could be he will get extra state pension from 2001 to 2005 and then the lump sum will kick in from then

If you go to rights4seniors (sorry my copying and pasting not working) it will give you the rules before April 2005

eastcorkram

xylophone wrote: »

Your FIL has been drawing his army pension since around 1991?

He was in the army pension scheme between 1978 and whrn he retired?

Did the pension payer not contact him about GMP when he reached the age of 65?

See https://equiniti.com/media/792325/2015-armed-forces-newsletter.pdf

Has he ( you on his behalf) contacted Equiniti to advise that he is now in receipt of his state pension?

Thanks for that. I'm not aware of him receiving that. But it's a long time ago. I will contact them this week.

xylophone

Thanks for that. I'm not aware of him receiving that. But it's a long time ago. I will contact them this week.

It does seem very strange that he didn't receive an invitation to claim his state pension, that nothing has been heard from Equiniti and yet his tax code has been adjusted to account for the receipt of a state pension - it is also odd that your FIL has never noticed any of this.

A real tangle! I hope you will let us know how things go.

Incidentally, in view of his age and deafness, has your FIL considered granting Power of Attorney?

https://www.gov.uk/power-of-attorney/overview

eastcorkram

xylophone wrote: »

It does seem very strange that he didn't receive an invitation to claim his state pension, that nothing has been heard from Equiniti and yet his tax code has been adjusted to account for the receipt of a state pension - it is also odd that your FIL has never noticed any of this.

A real tangle! I hope you will let us know how things go.

Incidentally, in view of his age and deafness, has your FIL considered granting Power of Attorney?

https://www.gov.uk/power-of-attorney/overview

I've actually no idea if he received an invitation to claim SP. Do people normally get one? Whether he did or not, he's not really the sort that would claim it. I think he'd have seen it as a benefit, which he didn't need. Very low outgoings, and the army pension was more than enough.

Not sure what you mean about hearing nothing from Equiniti. He gets a 'payslip' each month in the post, and a P60 each year.

I don't know why the tax codes were adjusted as receiving SP, but they were. We have the notice of coding letters for 12 of the last 15 years.

Re the PoA, it's underway, but will take some time. There was a complication, which lost us a couple of weeks, and meant starting again.

greenglide

I've actually no idea if he received an invitation to claim SP. Do people normally get one?

Yes. It is a BR33 "invitation to claim" and is normally issued 4 weeks and 4 days (in theory) before State Pension age is reached.

There is little on it these days, no indication as to how much the pension will be but over 10 years ago there was a breakdown of the amount that might be payable.

xylophone

Do people normally get one?

Yes, they normally receive a letter and booklet from the DWP.

Not sure what you mean about hearing nothing from Equiniti. He gets a 'payslip' each month in the post, and a P60 each year.

When a man was in receipt of a defined benefit pension with GMP, the administrators would normally communicate with him at age 65 concerning how increases on his pension would be paid once the state pension came into payment and possibly inviting him to inform them if the state pension was to be deferred.

I seem to remember that HMRC also wrote to pensioners about the COD.

See http://www.pathfinderinternational.co.uk/index.php?option=com_content&task=view&id=3147

Perhaps the administrators assumed that his state pension had been deferred.

However, what is odd is that HMRC seem to think that your FIL is in receipt of his state pension - if this is the case, why was there no letter about his COD?

And what do Equiniti think is the case?

Presumably your FIL has now received a breakdown of his State Pension from DWP - is the COD shown?

greenglide

When a man was in receipt of a defined benefit pension with GMP, the administrators would normally communicate with him at age 65 concerning how increases on his pension would be paid once the state pension came into payment and possibly inviting him to inform them if the state pension was to be deferred.

I thought that as well. If the DB pension is in payment they would also split into pre / post 98 GMP and the excess at that point.

Having said that the LGPS that I am in havent told me although I reached SPa in May but that could be due to the indexation of the GMP being met by LGPS which they probably werent expecting.

I havent received notification from HMRC either. Probably they will still do that in the post nSP world as the schemes will still need to know what the GMP is to apply their indexation rules?

xylophone

I seem to remember that HMRC also wrote to pensioners about the COD.

I have checked this - HMRC (with NICO hat on) sent a very detailed letter (CA1627) (but it seems to have been post SP claim) concerning COD and how it would impact on State pension.

With regard to DB pensioners reaching GMP age, they were normally contacted by their scheme administrator - see post 33 here

https://forums.moneysavingexpert.com/discussion/4532605

With regard to LGPS, this may be of interest http://www.yourpension.org.uk/Files/Files/6.%20Bexley%20GMPGuide240211.pdf

and this latest (post New State pension) from the Government.


https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/520784/Guidance_on_the_operation_of_pensions_increase_legislation_for_public__service_pension_schemes_PU1941.pdf

I have seen other scheme booklets where the administrators have asked to be advised if a state pension was being deferred.

What is so odd about the OP's FIL's case is that there seem to have been no communications from DWP/HMRC/Equiniti etc and yet it seems the FIL's tax code has been adjusted downwards to take account of a state pension that has never been paid.

greenglide

Link doesnt work, for me anyway. Google for "www.gov.uk uploads 520784" works.

eastcorkram

OK. The last few posts have me confused! Not difficult, as I don't know much about all this stuff! For anyone wondering why I didn't spot all this 15 years ago, when he reached 65. I didn't know him then. I only met him about ten years ago. I knew he was on an army pension, and I assumed he was getting SP.

Here is the breakdown, in the letter received last week.

Basic pension £119.30

Additional pension based on earnings, 6.04.78 - 5.04.97 of £36.01, less contracted out deduction of £19.23 you earned from an employers or personal pension from 6.04.78_ 5.04.97, £16.78

Additional pension based on earnings, 6.04.97 - 5.04.2002, Nil.
From 6.04.02 also based on caring /incapacity Nil.
Shared additional pension Nil
Extra basic pension, additional pension, Nil
Uprating of contacted out deduction increments Nil
Graduated pension £6.99
Invalidity addition Nil
Age addition £0.25
Money for other people Nil

The amount each week is £143.32


Hope this helps clarify the COD bit. It doesn't for me!