Waspi trying to maximise state pension

Thrugelmir

gall10 wrote: »

Thanks for reply. Yes I’ve checked my online state pension forecast. I have been contracted in since January 2016. Hope to finish work completely at end of this tax year. Hoping to pay ? Voluntary class 2(or is it 3) until state retirement age. I think I can ‘sign on ‘ for JSA -won’t get any financial reward but will get NI contributions?? Yes I’ll have to apply for jobs-but will anyone employ a 63 yr old female with no qualifications or skills!!!

Why not ask to reduce your hours and work part time. That way you'll increase both your state and scheme pension.

AlanP_2

gall10 wrote: »

Thought my wink emoji thing showed this was tongue in cheek! Always someone here bemoaning public sector pensions!

Far from it, I contribute to a PS scheme as does my wife.

As you didn't seen to understand that you were better off overall by being contracted out I was highlighting the fact that you were.

lisyloo

Yes I’ll have to apply for jobs-but will anyone employ a 63 yr old female with no qualifications or skills!!!

Yes (although I don't believe you have NO skills if you've lived til 63 :-)
Plenty of women in their 60's working in chip shops, hospitals, supermarkets, shops.
Do you have the skills to made tea, walk with a trolley and hand out drinks to people in hospital?

Unless you are physically disabled I can think of loads of things you could do.

gall10

JSA..I wouldn’t say I have no intention of ever working again...just not full time in my current post, and part time here isn’t an option. I’d be happy to job-seek. JSA also gives NI credits.

gall10

I don’t think there’s many hospitals left where the employ people to ‘walk about with a tea trolley’ when did you last work in the modern NHS!!!

kidmugsy

gall10 wrote: »

I don’t think there’s many hospitals left where the employ people to ‘walk about with a tea trolley’ when did you last work in the modern NHS!!!

Our local NHS hospital employs people to distribute tea to patients. They have a remarkable skill at putting the tea down in such a place that a bed-bound invalid can't reach it. Indeed, they are multi-skilled; they can pull the same trick with food.

jamesperrett

gall10 wrote: »

I don’t think there’s many hospitals left where the employ people to ‘walk about with a tea trolley’ when did you last work in the modern NHS!!!

Either Kidmugsy and I have been to the same hospital recently or someone walking about with the tea trolley is more common than you might think.

Tom99

So after 2017/18 you will need a further 6 or 7 yrs to top up to the £164.35 max. Do you have scope for that re your state pension date being after 5th April 2024?

gall10

State retirement date Oct ‘22. Not sure if I can pay NI after that???

Silvertabby

gall10 wrote: »

State retirement date Oct ‘22. Not sure if I can pay NI after that???

You'll only be able to pay up to and including full financial year April 2021/April 2022.

ADD: Before someone picks me up on it, DWP may accept your payments from April 2022 to October 2022 - but they won't add a further penny to your State pension.