Exception rather than the rule

spurdog1

Please I need to start planning for myself and my wife, on the state pension in "unusual circumstances". (I just cannot get a sensible answer from HMRC).
My wife retired 5 years ago on 27 qualifying years, and currently receives approx 470.00 per month (she also receives 70.00 per month private pension). She has her days where she is reasonably pain free, walks to the bus, to town with a stick. Other days she can barely walk through our house with a stick.

I have built a small separate nest egg, which I will burn up the next four years, making her safe.

I have 43 qualifying years, and therefore (i think will qualify for 150.00 per week, when i retire)
Does that include my wife's pension, or will her £470.00 be "in addition to mine"? Will her pension jump to £120.00 per week?

Is there someone "in the know", on MSE, please.

Spurdog1

xylophone

Your wife is receiving her state pension on her own contributions.

You will receive your state pension on your own contributions.

Have you obtained a state pension statement?

If not you should do so.

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

xylophone

Would your wife qualify for Attendance Allowance?

http://www.carersuk.org/help-and-advice/financial-support/help-with-benefits/attendance-allowance

spurdog1

xylophone wrote: »

Would your wife qualify for Attendance Allowance?


No, because it's hit & miss, her illness

spurdog1

yes, I have my £155.00 per week Thks

Mnd

Totally separate pensions

spurdog1

Thanks MnD:T

badmemory

If you do have enough spare income at the moment it is possible to defer your wifes state pension @ 10.4% per year as she retired prior to April 2016. It may or may not be a good deal for her but could be worth looking into!