Entitled?

Tom99

TcpnT wrote: »

As the previous post mentioned it is very easy to get a state pension forecast online. Just google how to do it.
Your wife should have received NI credits for the years she was receiving child benefit and will also have credit for 3 years at age 15, 16, 17 and any years she was was working and not receiving child benefit. So it depends on how spread out you children were but She is unlikely to receive a full state pension. However assuming this is the case you do have the opportunity to buy extra post 2016 years credit at approx £750/year. This is a good deal.

Take a look at her forecast and come back.

If you don't have a COPE amount you can fill in NI gaps back to 2006 for a while, so an even better deal. Year 2006 is £689 and year 2010 is only £626.60.

xylophone

Once the OP's wife has obtained her statement

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

BigMank

Wow!
That’s a bit harsh.
No she’s not dim, and having the same amount of children, didn’t stay at home & “dismissing a full time parent.”
Isn’t my SIL a “FULL TIME PARENT”?
To me someone who has a days work here n there, and can’t hack it has no intention of seeking employment, is not
“Overlooks the facts”
“Employment brings benefits”, like a salary and a state pension!
Haha, why do any of us work? Benefit!!! Some Benefit!
Not forgetting it’s my wife!
The question she asked which I thought was quite legit, was, why could my wife possibly draw the same pension as someone who has worked all their life, AND bought up the same amount of children? And no she is not “Topping up”

Mojisola

BigMank wrote: »

The question she asked which I thought was quite legit, was, why could my wife possibly draw the same pension as someone who has worked all their life, AND bought up the same amount of children?

She probably won't.

Your wife will only get credits for the relevant CB years and the years she worked - if they were complete tax years.

Your wife should get a pension statement and see what the facts are.

Tom99

[FONT=Verdana, sans-serif]The answer to your question then is that its very unlikely your wife will be entitled to a full state pension but when you add her 2 years work to all the child benefit years she may well be entitled to say 20 to 30 years out of the 35 years required for a full pension.[/FONT]

woolly_wombat

Your wife should have been automatically entitled to Home Responsibility Protection whilst claiming Child Benefit for children under 16, between 1978 and 2010. HRP was subsequently converted to NI credits.
See https://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/384301/cf411-notes.pdf

She can check that NI credits were correctly applied to her National Insurance account (I seem to recall a problem with some NI records not correctly updated in the 1990s so it's worth checking).
See
https://www.gov.uk/check-national-insurance-record

If she is helping to look after any grandkids now then she could be entitled to further NI credits, which would help build up further entitlement to State Pension.

System

BigMank wrote: »

Hi
My wife has worked for approximately 2 full years out of our 41 year marriage, we have 3 children, the youngest being 33. Will my wife be entitled to a full state pension.
On the other hand, my sister in law has worked all her life, (full time) has been married for 39 years, also has 3 children, the youngest being 27.
My sister in law asks if it is worth working all those years for a pension that could possibly be the same as someone who hasn!!!8217;t bothered to work.
No one has a disability or is stopped from working.
Who is right, if anyone?
Thankyou

Is this the same wife who worked for a Local Authority for 14 years?
https://forums.moneysavingexpert.com/discussion/5616673

System

In a post last year, your wife had worked for 30 years:
https://forums.moneysavingexpert.com/discussion/comment/72981379#Comment_72981379

Asghar

Economic wrote: »

In a post last year, your wife had worked for 30 years:
https://forums.moneysavingexpert.com/discussion/comment/72981379#Comment_72981379

I thought the topic looked similiar.

The roles are reversed this time however.

Last time it was the posters wife who had worked all her life and was now wondering why her sister in law, who hardly worked, should be entitled to the same State Pension.
This time it's the sister in law who has worked all her life and is now wondering if it was worth it, when the posters wife might be entitled to a similiar State Pension.

mollycat

BigMank wrote: »

Wow!
That’s a bit harsh.
No she’s not dim, and having the same amount of children, didn’t stay at home & “dismissing a full time parent.”
Isn’t my SIL a “FULL TIME PARENT”?
To me someone who has a days work here n there, and can’t hack it has no intention of seeking employment, is not
“Overlooks the facts”
“Employment brings benefits”, like a salary and a state pension!
Haha, why do any of us work? Benefit!!! Some Benefit!
Not forgetting it’s my wife!
The question she asked which I thought was quite legit, was, why could my wife possibly draw the same pension as someone who has worked all their life, AND bought up the same amount of children? And no she is not “Topping up”

I'm not sure I understand this rant, or the reason for it....everyone has been quite helpful.

Are you, (like I am), having a few early "sherberts"?