State pension not receiving full allowance

flopstocks

Hello I am wondering I'd somebody can help me regarding my Dad's state pension.  My brother has tried contacting them directly and having no luck.

He has paid in over forty years stamp, as we understand thirty five years are required for full allowance.  But he only rececives £141 a meek when the full state pension is around £179

My brother has tried contacting the pensions numerous times department and getting absolutely nowhere.  Is there anyway of finding out what is going on? 

marlot

When did he retire?

If before 2016, the (old) state pension is here: https://www.gov.uk/state-pension/what-youll-get  - £137.60 per week.

But he may be entitled to more or less than that

flopstocks

Thanks he retired in 2018 so he is on the new state pension. 

marlot

flopstocks said:

Thanks he retired in 2018 so he is on the new state pension. 

THese rules apply then: https://www.gov.uk/new-state-pension/how-its-calculated

https://www.gov.uk/government/publications/your-new-state-pension-explained/your-state-pension-explained

flopstocks

He was 65 in 2018, and paid in 44 years.

zagfles

He was probably in a contracted out scheme. That reduces the new state pension. Is he getting an occupational pension?

QrizB

flopstocks said:

He was 65 in 2018, and paid in 44 years.

So as others have said, "35 years for a full New State Pension" only applies to people who start contributing after 2016 (so, for example, people born in 2000 and later). Anyone who was paying into their state pension before 2016 will be under the transitional arrangements that marlot linked to.

I wonder if your Dad spent some time contracted out of the Additional State Pension and paid a reduced rate of NI. This will have reduced his starting amount calculated for his state pension entitlement as of 2016. Has he got an employer's pension or some other sort of occupational pension in addition to his state pension?

flopstocks

Yes he has pension for the company he was employed with. 

molerat

Did he work right up to his state pension age or did he retire early ?

Does he have access to his personal on line tax account ?

zagfles

flopstocks said:

Yes he has pension for the company he was employed with. 

Then it was probably contracted out. This means he and the company got NI rebates and in return the company pension guaranteed to replace part of the state pension (to put it simply). See the links above.

nigelbb

I didn't retire but I did take my state pension in 2018. I was one of the last to receive my pension at 65. If I had been born four weeks later I would have needed to wait another couple of months for my pension & been out of pocket well over £1,000. I get a pension of £148.l62 despite paying 34 years of National Insurance contributions because I was contracted out in a company pension.