State Pension Question

Cosmos12

Hi all,

My mum has a question regarding her state pension and has had a look online at the forecast section of the gov.uk site, but it did not supply an estimate of what the amount would be.

She is primarily wondering how much she would get were she to claim it now (per week, for example), taking into accouint that she reached state pension age on 6th September 2013, so has deferred it for 5 years. She is

She currently has 44 years of full NI contributions, although there are two gaps. The first is from 1979-80, in which she has paid employment of £37.57 and two weeks NI credits. There is the option to pay a voluntary shortfall of £175.80. The second is from 1980-81, in which she has the option to pay a voluntary contribution of £732.50.

I am wondering if paying these contributions would make a difference to the state pension, IE increase the amount she'd receive?

Thanks in advance.

drumtochty

No they are unlikely to make any differance at all.

anmarj

https://www.gov.uk/state-pension/how-to-claim - option 1. She will need to call the state pension claim line and ask for a provisonal determination.

Cosmos12

OK, thanks all.

badmemory

Be aware that if you ring the amount they tell you after you have deferred MAY not be correct, mine certainly wasn't, so ask them to put the figures in writing. With mine they took the original amount & just added the 50% for deferment & ignored the normal annual uplift. I believe I am correct in saying that in 2013 you only needed 30 years so it is extremely unlikely any additional payments will help. Hopefully she should be looking at a minimum of £190 per week that is without any additional pension (inherited pension? some state pension was still inheritable before 2016).

xylophone

https://www.litrg.org.uk/tax-guides/pensioners-and-tax/what-state-pension-deferral

may be of interest to your mother.