Child Benefit

KenAdams2015

Apologies, if this is not the right forum!

My wife and I live together, she has four children, 2 are from a previous partner and we have 2 together.

My wife claims child benefit for all 4.

She has 27 years of the 30 she needs of Pension contributions (she has worked since 17), I only have 23 as I missed 3 years whilst in higher education.

is it possible to have my wife claim for the 2 from her previous relationship and I claim for the 2 we have together?

We live together and I understand there may be an issue as we wouldn't want to get a child each at £20.70 and £13.70

Or would we need to wait until her first two children are too old for child benefit or past an age where you still get CB but no pension contributions? Am I right in thinking that pension contributions for CB stop at 12?

Many thanks:)

[Deleted User]

Ive never heard CB pension cont. (HRP, home responsibilities protection) ending at 12 ?
As I see it you are a family unit and can only make one claim, you will both need 35 years of cont. for a full state pension, can I assume at some point that your wife will return to work and get another 8 years of cont, and that you have another 12 years to work(at least), all that being so then I don't see your problem.?

Mojisola

Are either of you employed now?

KenAdams2015

According to our gateway / personal tax accounts it says we need 30 years, well it says she has 27 and needs 3 more and I have 23 and need 7

My wife has always worked from 17 up to end of 2014.

We both hopefully have enough years of work left I was just wondering when it says she has full record about transferring to me.

Thank you for replying:)

KenAdams2015

My wife is a SAHM and at the moment I am employed but only recently and after being out of work for a year or so (I am not expecting 2016/2017 to qualify with enough contributions)

Mojisola

venison wrote: »

you will both need 35 years of cont. for a full state pension

The 35 years is for people whose NI record starts after 6 April 2016.

Mojisola

KenAdams2015 wrote: »

My wife and I live together, she has four children, 2 are from a previous partner and we have 2 together.

My wife claims child benefit for all 4.

She has 27 years of the 30 she needs of Pension contributions (she has worked since 17), I only have 23 as I missed 3 years whilst in higher education.

As you have young children, it should be fairly easy to make up the years you need through employment - you've got a lot of working years ahead of you.

You can switch the CB to you but if you are working and getting paid enough for NI contributions, there's no point.

KenAdams2015

Yeah very true, with step children and biological children would prob be too messy to allow us both to claim for 2 each

Flugelhorn

venison wrote: »

Ive never heard CB pension cont. (HRP, home responsibilities protection) ending at 12 ?

I think it dropped from 16 to 12 a few years back

KenAdams2015

Read it on thisismoney.co.uk and moneyadvicesevice.org.uk always thought it was (well presumed) for however long CB was paid

p00hsticks

Mojisola wrote: »

The 35 years is for people whose NI record starts after 6 April 2016.

But those starting before April 2016 may still need 35 or more to get the maximum pension - it depends on whether they have previously been contracted in or out of the additional state pension (SERPS / S2P)

People need to get individual forecast to find out what their current forecast is and how many more years they need to reach the maximum

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