Are you a woman over 60 who doesn’t get a state pension? Get £1000s back

Wonderwoman_2

I had a letter in 2004 to say if I paid in £1108 I would get a pension - not to pay it yet - on back says....must be rec'd by 6/4/09. I have a bit of money and could pay this amount now to ensure I get the pension. Or should I hold on to that money in my savings a/c and pay in 2009?

dipsy

so if you stayed at home with kids pre 1978 you are not entitled to HRP or any contributions towards your pension

is that right?

Woodville

As my missus only receives a pension of £211.20, due to paying the reduced "married woman's" rate after we married in 1962, she did not collect 10 years full contributions. However, after reading the blog, I made some enquiries, and sure enough, the pension service are looking in to it for me, so that the wife can "pay back" the shortages, and thus receive a full basic pension of £87 per week. The repayment outweighs the contributions that are owing, so with luck, we will get a dividend backdated to 2001, plus an increase in her pension of about £130 a month. The direct telephone number to ring is 0191-218-2550. The staff there are very good, and will advise you as to what you have to do next. This will suit all women who are over the pension age and not receiving the full whack. Thanks a million for the advice. Cheers, Woodville.

tanith

would this also apply to someone in their 80's who is claiming a pension on her deceased husbands contributions and I think she receives around £300 per month? I believe she only worked for a few years before she married so would not of worked for the qualifying 10yrs

EdInvestor

Rikki wrote: »

Mum staid at home with us children for a total of 20 years.

HRP only started in 1978 and you get nothing for years before that.The max HRP I believe is 16 years.

Worked for 7

The may also have a few years credited after school leaving age, even if she was still at school/college.

and is now on incapacity benifit and has been for 4 years and is unlikely to come off of this benefit.

So she has another 4 years to add in there.

When does she reach state pension age?

Just to make things even more complicated - but also even more beneficial - anyone retiring after 2010 only needs 30 years and there is no minimum any more.

So she may be already sorted for the full basic of £87 a week without needing to pay any arrears.

EdInvestor

dipsy wrote: »

so if you stayed at home with kids pre 1978 you are not entitled to HRP or any contributions towards your pension

is that right?

Correct.Of course married women with no pension entitlement in their own right are entitled to a 60% pension based on their husband's contributions and this goes up to 100% if he does before she does. After 2010 men will be able to claim the same based on their wives' NI, how fair is that

EdInvestor

Wonderwoman wrote: »

I had a letter in 2004 to say if I paid in £1108 I would get a pension - not to pay it yet - on back says....must be rec'd by 6/4/09. I have a bit of money and could pay this amount now to ensure I get the pension. Or should I hold on to that money in my savings a/c and pay in 2009?

If you are retiring before April 2010, you should pay it in 2009.If retiring after 2010 and you already have 30 years you don't need to pay it as the number of years needed to get the full pension will have been reduced.

roddydogs

so anyone retiring after 2010 who have already paid the extra to give themselves 39 years have effectifly thrown 9 years contributions down the Toilet?

Charis

If you are female, stayed at home for long periods with the children or were a carer and you are not quite 60 (60th birthday after April 2010) this will cheer you up.

http://www.thepensionservice.gov.uk/pensions-reform/home.asp

This change in the law means that my pension forecast in 2006 of 62% has now gone up to 100% :j

MSE_Martin

Hi folks

Thanks for all the great contributions above. Sadly the allocation system is incredibly complex; and it's for this reason I avoided too much of an explanation. There is nothing wrong with calling the number in the first post and simply asking if you're eligible - in fact its by far the easiest way