incorrect qualifying years

wacky60

Since January i've been trying to sort out my state pension which is due July and still not got a satisfactory reply so you are my last hope for advice so thank you in advance.
I missed retiring age at 60 by 9 days so i had to work an extra 3 years 3 months but needed an extra 5 qualifying years of NI contributions.
After numerous letters, online forms (to which i never had 1 single reply) and phone calls i received a forecast which was incorrect by exactly 10 years meaning i now am £130/mth less which if i'm on my own (my husband is 12 years older than me), will make a huge difference.
I changed over to paying a full contribution in 1977 when the rules changed but wasn't earning enough until 1979 when i started working full time at the same company of which i was employed at for 23 years.
Inland revenue are saying i didn't increase my contributions until 1989 which just isn't true.
Is there any way they can be wrong as i haven't got the P60's from then & just don't know what to do. thank you

missbiggles1

wacky60 wrote: »

Since January i've been trying to sort out my state pension which is due July and still not got a satisfactory reply so you are my last hope for advice so thank you in advance.
I missed retiring age at 60 by 9 days so i had to work an extra 3 years 3 months but needed an extra 5 qualifying years of NI contributions.
After numerous letters, online forms (to which i never had 1 single reply) and phone calls i received a forecast which was incorrect by exactly 10 years meaning i now am £130/mth less which if i'm on my own (my husband is 12 years older than me), will make a huge difference.
I changed over to paying a full contribution in 1977 when the rules changed but wasn't earning enough until 1979 when i started working full time at the same company of which i was employed at for 23 years.
Inland revenue are saying i didn't increase my contributions until 1989 which just isn't true.
Is there any way they can be wrong as i haven't got the P60's from then & just don't know what to do. thank you

How?......

wacky60

i mean is there any way they could have missed entering the 10 years from 1979-89 which they say i haven't paid full contributions when i have.

xylophone

You were born between 6 April 1953 – 5 May 1953? If so, how do you think that you missed out on retiring at 60 by nine days?

https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/310231/spa-timetable.pdf

You have received a new state pension statement?

While you were working for the company, were you a member of its pension scheme?

Have you asked for a full NI record?

Have you had a look at your personal tax account? https://www.gov.uk/personal-tax-account

Has your husband yet reached state pension age?

wacky60

...because i got a letter saying i would reach pension age july 6th which is exactly what it says on the link you kindly sent me.
yes i have received a new pension statement, that is how i know i'm £130/mth short
yes i did receive a full NI record-that's how i knew i was 10 years short
yes i did say he is 12 years older than me so yes he has reached state pension age-10 years ago
no i haven't looked at my personal tax account-not sure what you meant by that

xylophone

..because i got a letter saying i would reach pension age july 6th which is exactly what it says on the link you kindly sent me.

It doesn't show that you were nine days short of an age 60 pension age.

The 1995 Pension Act 5 provided for the State Pension age (SPA) for women to increase from 60 to 65 over the period April 2010 to 2020.

The 2011 Pension Act accelerated this change so that it would be complete by 2018.

Only women born before 6 4 1950 would have reached SPA at age 60 - to have missed SPA 60 by nine days you would have had to have been born around mid April 1950.

Yes i have received a new pension statement, that is how i know i'm £130/mth short

Full NSP is £155.65 a week - you say that you are £130 a month short (do you mean "four weeks") by a month?

Your NSP is stated to be £123.15 a week?

Have you ever been a member of a contracted out pension scheme?

xylophone

Another thought, NSP is based on 35 years of NI paid or credited.

What is your work history from age 16?



Your husband reached SPA under the old rules - see https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/181235/derived-inherited-entitlement.pdf

re inheritance of additional state pension.

woolly_wombat

wacky60 wrote: »

i mean is there any way they could have missed entering the 10 years from 1979-89 which they say i haven't paid full contributions when i have.

What documentary evidence do you have to show that you paid full NI contributions?

greenglide

What documentary evidence do you have to show that you paid full NI contributions?

And evidence that your employer paid it to HMRC (actually Contributions Agency part of DWP or DHSS at the time).

You would need a P60 or failing that a number of payslips.

You were earning above the lower earnings limit at the time so that that you would actually pay NI? Were you part time, possibly with two employments?

Unfortunately if you cannot prove that you were paying Class A NI it could be difficult to get HMRC to budge.

Try your MP? Always worth a go.