New pension eligibility question for housewives

isayhello

Hi, reading up on the new state pension rules, I've seen that in order to qualify for anything, people need 10 years of NI contributions. My mum will be of state pension age in a few years but she has been a housewife all her life, and hasn't claimed any benefits. Would these rules exclude her and many other women I imagine who were housewives and didn't have a job.

Thanks

molerat

She would have credits for when receiving child benefit. She needs to get a pension forecast. https://www.gov.uk/check-state-pension

Come back when she has the figures for some pointers.

xylophone

You have been asking about your father (who reaches SPA in 2018)

https://forums.moneysavingexpert.com/discussion/comment/73599012#Comment_73599012

and your mother who reaches SPA some years in the future.

Both therefore come under the new state pension scheme.

https://www.gov.uk/new-state-pension/how-its-calculated

They should each obtain a state pension forecast as above.

With regard to any inheritance of any "Protected Payment" see

page 15 of


https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/181235/derived-inherited-entitlement.pdf


Your father will need to claim the state pension.

https://www.gov.uk/contact-pension-service

If he wants his pension paid weekly he must specifically request this when he phones to make his claim.

badmemory

She could make voluntary contributions which would add to what I hope were child benefit payments credits in her name & not your father's.

isayhello

She would have credits for when receiving child benefit. She needs to get a pension forecast. https://www.gov.uk/check-state-pension

Thanks Molerat, I'm not sure if she applied for child benefit and she doesn't have a gateway account yet, will get back with figures once that's done, thanks.

isayhello

Thanks @Xylophone I was asking in separate threads just to make it easier to not create one big messy thread. My fathers pension has been applied for and I'm looking through his private pension paperwork now.

Will get a forecast for my mothers pension, thanks.

isayhello

She could make voluntary contributions which would add to what I hope were child benefit payments credits in her name & not your father's.

Thanks @badmemory She doesn't remember claiming or how those benefits were claimed as it was many years ago and she didn't deal with that stuff herself. I've heard of the voluntary contributions but not sure how expensive/worth it that can be?

Thanks again

xylophone

First your mother needs to check her state pension forecast.

Then see

https://www.royallondon.com/Global/documents/GoodWithYourMoney/TOPPING-UP-YOUR-STATE-PENSION-GUIDE.pdf

Silvertabby

Home Responsibilities Protection (ie, NI credits) for a SAHM claiming child benefit only started in 1978, and then only applied until the youngest child was 16.

However, the fact that she can't remember getting child benefit sounds worryingly like your father claimed it.

As has been said before, your mum needs to get a State pension forecast - then come back to us with the figures.