Not getting full amount of New State Pension

jem16

covid1956 said:

Worryingly he kept on referring to me having 43 full years NI contributions, i kept on reminding him that the GOV.UK website states i have 44 full years NI, but he was adamant i had 43. So if DWP have got that info wrong what else have they got wrong??

I'm not sure it really matters if you have 43 or 44 years as it will make no difference to your calculation as you have well over the 30/35 years require for both calculations.

There is no guarantee that after paying the extra year it would be backdated to when your pension starts, it can be requested but the decision is dwp,s

I would expect it just to be backdated to the date you paid the extra contribution.

I really don't know what the DWP is playing at here - is it the Future Pension Centre that you've been speaking to or some other department? I have always found the FPC to know exactly what is going on.

Seriously though, if I were you I would just be contacting HMRC and asking to pay the amount owe for 2019/20. It cannot fail to increase your pension and from what you've said about what you currently receive it should be to full new state pension. The sooner you do it the more it will be backdated.

covid1956

Contacted Future Pension Centre mid May still waiting.
Just imagine paying the extra £301 and then finding they (dwp) have the wrong info and i should have been getting the full amount, i am mulling it over, might phone hmrc tomorrow 
covid

xylophone

How many years did you have at 6/4/16 (when two calculations were done to establish your starting amount for NSP).

What was your COPE?

Old Rules

NI years/30 (max) x £119.30 (Full Basic) + (Additional State Pension -  (where applicable) Deduction for Contracting Out).

New Rules

{NI years/35 (max) x £155.65 (Full NSP)} - (where applicable) Contracted Out Pension Equivalent}.

The Starting Amount was the higher of the two.

How many NI years did you have at 6/4/16?

Did you retire from paid work at age 60?

covid1956

xylophone said:

How many years did you have at 6/4/16 (when two calculations were done to establish your starting amount for NSP).

What was your COPE?

Old Rules

NI years/30 (max) x £119.30 (Full Basic) + (Additional State Pension -  (where applicable) Deduction for Contracting Out).

New Rules

{NI years/35 (max) x £155.65 (Full NSP)} - (where applicable) Contracted Out Pension Equivalent}.

The Starting Amount was the higher of the two.

How many NI years did you have at 6/4/16?

Did you retire from paid work at age 60?

How many NI years did you have at 6/4/16?   43 years

Did you retire from paid work at age 60? Made redundant in Feb 2013 aged 57 My last paid employment was in 2015-16 but only for 5 weeks in Dec to Jan i was 59

 

What was your COPE? Sorry no idea

Covid

xylophone

At 6/4/16 you already had 43/44 years NI but were still short of a full new state pension.

This indicates that you were at some point contracted out of SERPS/S2P.

Are you in receipt of an occupational/ private pension in addition to your state pension?

You can make up the shortfall
Pay a voluntary contribution of £301.15 by 5 April 2026.

To which NI year does the above relate?

covid1956

xylophone said:

At 6/4/16 you already had 43/44 years NI but were still short of a full new state pension.

This indicates that you were at some point contracted out of SERPS/S2P.

Are you in receipt of an occupational/ private pension in addition to your state pension?

You can make up the shortfall
Pay a voluntary contribution of £301.15 by 5 April 2026.

To which NI year does the above relate?

  To which NI year does the above relate?             2019-20

Are you in receipt of an occupational/ private pension in addition to your state pension?   YES

jem16

covid1956 said:

xylophone said:

At 6/4/16 you already had 43/44 years NI but were still short of a full new state pension.

This indicates that you were at some point contracted out of SERPS/S2P.

Are you in receipt of an occupational/ private pension in addition to your state pension?

You can make up the shortfall
Pay a voluntary contribution of £301.15 by 5 April 2026.

To which NI year does the above relate?

  To which NI year does the above relate?             2019-20

Are you in receipt of an occupational/ private pension in addition to your state pension?   YES

If your last paid employment is 2015/16, then why is the amount for 2019/20 so low? It’s normally around £800. Did you do some work in that year or did you get some credits?

covid1956

jem16 said:

covid1956 said:

xylophone said:

At 6/4/16 you already had 43/44 years NI but were still short of a full new state pension.

This indicates that you were at some point contracted out of SERPS/S2P.

Are you in receipt of an occupational/ private pension in addition to your state pension?

You can make up the shortfall
Pay a voluntary contribution of £301.15 by 5 April 2026.

To which NI year does the above relate?

  To which NI year does the above relate?             2019-20

Are you in receipt of an occupational/ private pension in addition to your state pension?   YES

If your last paid employment is 2015/16, then why is the amount for 2019/20 so low? It’s normally around £800. Did you do some work in that year or did you get some credits?

If your last paid employment is 2015/16, then why is the amount for 2019/20 so low? It’s normally around £800. Did you do some work in that year or did you get some credits?   I had 33 credits for that year as i was "signing on" at the job centre

All the other years that are "not full" are around the £800 mark to sort out the shortfall

covid

xylophone

Given your clarification of the circumstances, I do not understand why DWP cannot confirm that paying the £301.15 for 19/20 would increase your SP to the full amount.

covid1956

UPDATE
Got a 5 1/2 page letter today from DWP informing me why i am not getting full pension. Letter dated 2 weeks ago.
Will scan and post asap
Covid