Not getting full amount of New State Pension

xylophone

She is receiving a teacher's pension as well as a local authority pension. She also has a personal pension policy. 

In my previous post 

https://forums.moneysavingexpert.com/discussion/comment/79287060/#Comment_79287060

 I commented 

From the information given, it seems very likely that your wife was a member of a contracted out pension scheme or schemes at some point in her working life.

Both the TPS and the LGPS were contracted out of SERPS  and S2P.

She would certainly have had a fairly substantial COPE and this would have shown on her state pension forecast had she requested one.

Did you/your wife not realise this?

See the calculation in post above that would have been done for your wife at 6/4/16.

It would seem that she had more than 35 years at 6/4/16.

There was the possibility of improving her "starting amount" by full years 2016/17, 2017/18 and 2018/19.

See https://www.royallondon.com/siteassets/site-docs/media-centre/good-with-your-money-guides/gwymg-1b-topping-up-state-pension-2019-interactive.pdf

As suggested above, she should check with FPC.

covid1956

UPDATE
STILL WAITING
COVID

p00hsticks

covid1956 said:

UPDATE
STILL WAITING
COVID

I've lost track of what you are actually waiting for - is it still a response to letters you have written to DWP ?

Have you actually tried contacting the Future Pension Service as suggested further up the thread as they may be better palced to answer you questions ?

xylophone

I've lost track of what you are actually waiting for - is it still a response to letters you have written to DWP ?

From the earlier posts.


https://forums.moneysavingexpert.com/discussion/comment/79211330/#Comment_79211330

UPDATE
Phoned future pensions office, they informed me that i pay my £301 to HMRC however "there is no guarantee that this will increase my pension by to the full amount" so she filled in a form and sent it to HMRC, who will write to me within 14days to tell me if my additional payment is financially worthwhile.
14 days !! HMRC !!! Lets see if they meet that deadline.
Covid

https://forums.moneysavingexpert.com/discussion/comment/79279324/#Comment_79279324

UPDATE
Still waiting for a reply ho hum
Just worked out over the past few months i have contacted them by post, email and online form about 9 times in total 
Will just have to wait
COVID

Silvertabby

Based on what you have said thus far, it's a  99.9999% certainty that if this £301 shortfall relates to a pre 2016 year then paying it won't add to your wife's State pension.

xylophone

Based on what you have said thus far, it's a  99.9999% certainty that if this £301 shortfall relates to a pre 2016 year then paying it won't add to your wife's State pension.

I think some confusion has crept in.  

Poster covid2016  was asking about a voluntary contribution to his own SP.

It was poster chateau maison who was asking about his wife's SP.

Silvertabby

xylophone said:

Based on what you have said thus far, it's a  99.9999% certainty that if this £301 shortfall relates to a pre 2016 year then paying it won't add to your wife's State pension.

I think some confusion has crept in.  

Poster covid2016  was asking about a voluntary contribution to his own SP.

It was poster chateau maison who was asking about his wife's SP.

That's what happens when people jump into other people's threads! 

p00hsticks

xylophone said:

I've lost track of what you are actually waiting for - is it still a response to letters you have written to DWP ?

From the earlier posts.


https://forums.moneysavingexpert.com/discussion/comment/79211330/#Comment_79211330

UPDATE
Phoned future pensions office, they informed me that i pay my £301 to HMRC however "there is no guarantee that this will increase my pension by to the full amount" so she filled in a form and sent it to HMRC, who will write to me within 14days to tell me if my additional payment is financially worthwhile.
14 days !! HMRC !!! Lets see if they meet that deadline.
Covid

https://forums.moneysavingexpert.com/discussion/comment/79279324/#Comment_79279324

UPDATE
Still waiting for a reply ho hum
Just worked out over the past few months i have contacted them by post, email and online form about 9 times in total 
Will just have to wait
COVID

So it's a written communication from HMRC that Covid is mainly waiting for, in response to a request made on their behalf by the Future Pensions Centre ? I know they also sent some letters to the DWP....

I'm not clear what online form they filled in or who they e-mailed - I wasn't aware that DWP handled queries via email.

covid1956

ORIGINAL POST
Well i became eligible for the New State Pension in January and as i have 44 full qualifying years i thought i would get the full state pension but no i am about £5.00 a week short of the full state pension. 
So i was wondering why?
I have filled in the on line form querying this well over a month ago--- but no reply
I have also written to DWP at their Wolverhampton office and am waiting for their reply.
I have printed off the info from the website stating i have 44 years of NI contributions and sent it to them with my letter.
To be honest i think i have only 43 full qualifying years as their website states "Our records show you have 4 full years up to 5 April 1975"
So i finished school in June 1972 so how could i be paying NI contributions for the tax year 1971 - 72!!! 72-73 yes 73-74 yes 74- 75 yes.
anyone else having this type of problem
thanks
COVID

POST AFTER PHONING PENSIONS OFFICE
Phoned future pensions office, they informed me that i pay my £301 to HMRC however "there is no guarantee that this will increase my pension by to the full amount" so she filled in a form and sent it to HMRC, who will write to me within 14days to tell me if my additional payment is financially worthwhile.
14 days !! HMRC !!! Lets see if they meet that deadline.
Covid

So i am waiting for
 1 a reply from DWP informing me why i am not getting the full pension
 2 a reply from HRMC telling me if paying the extra £301 will increase my pension

As far as the online form is concerned one does "pop up" if you are on the correct page on the gov.uk website will try to find it
COVID

BELOW is 1 of the DWP form links but there is another
https://secure.dwp.gov.uk/ask-a-policy-question/contact-form

HERE IT IS 
This link is for a form to be sent to the local pensions centre
https://www2.dwp.gov.uk/tps-directgov/en/contact-tps/contact-us-form.asp?txtbranchid=31857362

molerat

So i finished school in June 1972 so how could i be paying NI contributions for the tax year 1971 - 72!!! 72-73 yes 73-74 yes 74- 75 yes.
anyone else having this type of problem

As you were 16 in Jan 72 the 71-72 tax year year would have been a freebie, you received a credit for the tax years in which your 16th, 17th and 18th birthdays fell. This ended in 2010 with the change to the state pension to 30 years.

Very strange that FPC could not confirm whether paying a year would add to the pension, as long as it was a post 2016 year it cannot fail to add value if below the max.  Did you not get a forecast ?

44 years is of no relevance to those reaching SP age after April 2016 with a pre 2016 history.  The big governing factor will be contracting out, that generally makes only 30 of those pre 2016 years countable (plus any S2P) with post 2016 years needed to make up the missing amount. Are you in receipt of a DB work pension ?