Need help with state pension -Update 13/8

edited 13 August 2020 at 3:46PM in Pensions, Annuities & Retirement Planning
25 replies 2K views
awaw76awaw76 Forumite
60 Posts
10 Posts First Anniversary
I need to apply for state pension for my wife. We have deferred it for as long as we could but now as my health is ailing we want to apply. I checked online and it seems straight forward but my wife does not have a Government Gateway account. 
1. Please can someone advise which method should I use - online or post? 
If it is online - then which service can I use - my wife only has a UK passport -all household bills are in my name.  Gateway or Gov. Verify? Is one service better or quicker than the other?

2. She became 60 on 12-1-1950 - so she should get her pension from her 60th birthday? So that is nearly 10 years of deferrnment. However we were on pension credit from 2010 to 2014 - so does that mean the deferrment is only 6 years?

3. She has not worked for over 30 years. Her enititlement I believe is based on my NI contributions.

4. If we took the lump sum would that be tax free? 



«13

Replies

Sign In or Register to comment.
Latest MSE News and Guides

Autumn Budget 2021:

Cuts to alcohol & air passenger duties

MSE News

Free Wills Month

For those aged 55+

MSE Guides