National Insurance credits for spouses of Her Majesty’s Forces Personnel
Under the old existing rules (spouse born before 6 April 1953), had I had a baby whilst my husband was serving abroad, I would have received full National Insurance credits. Unfortunately, I am childless having been unable to conceive and therefore, under these rules, I receive a reduced state pension. I do not understand why having a baby abroad gives more rights to a state pension than to a woman not having a baby?
In April 2016 HMRC published guidelines for the credit of NI contributions for spouses of HM Forces personnel who accompanied their husbands overseas and who were born after 6 April 1953. My date of birth is 6 April 1949, so under these new rules I cannot receive credit for accompanying my husband overseas. Under the new rules a spouse (born after 6 April 1953) who does not have a baby now receives a full State Pension!
The only spouses that do not receive full NI credits are those in my situation who did not have a baby abroad and who have slipped through between the dates of the two sets of rules. The lack of NI credits for my time with my husband overseas has had a significant impact on reducing my pension. I did raise this with HMRC and the only reply I received was – basically tough – and that I was lucky to receive my pension at age 60! Totally missing my point.
I feel I have been penalized on the grounds of not being able to conceive.
With your professional knowledge, do you feel that I have a case worth pursuing and could you give advice on the best way forward.