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Beware of joint benefit claims


Comments
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I would be talking to the papers, my MP, anyone who may be able to get this sorted.
If it was not clear that there was a preference to who got the NI (and why should there be?) then it will naturally result in one partner, often a woman, losing out. People may suggest that anyone's name could go first but in a patriarchial society the male in a relationship often gets top billing. I mean - how often does anyone refer to Mrs & Mr Smith?I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe, Old Style Money Saving and Pensions boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
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Check your state pension on: Check your State Pension forecast - GOV.UK
"Never retract, never explain, never apologise; get things done and let them howl.” Nellie McClung
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Steve Webb seems the sort of person who might take an interest in this. Or the Agony Aunts/Uncles at any of the major papers.
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I have taken it to the papers, the Express printed a nearly whole paper on it, I have have tried to get the support of my MP where I used to live and the one where I live now but the DWP won't budge. I bet the same rule applies to Universal Benefits. That is why I thought I would post it here to let others know of this injustice which I am sure has and still in effecting lots of people, especially women.0
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It's usually the other way round with child benefit - been posts here about men missing out on NI credits because their wife claimed the child ben.But anyway - you say you worked full time from 16, so it sounds like you will have at least 30 years of NI credits which is presumably why you got the letter in 2009 stating you'll get a full state pension. That would of course had been the old basic state pension, and your entitlement to that would remain. If you had 35 years, you'd get the full new state pension UNLESS you'd been in contracted out employment, in which case it'll be partially replaced by the workplace pension you will get from that employment (you and your employer would have got NI rebates in exchange for them replacing part of the state pension).What confuses a lot of people is the new state pension replaces the old basic state pension plus SERPS/S2P, and the SERPS/S2P can be fully or partially replaced by a workplace "contracted out" scheme. So people who contracted out think they've lost out when usually they haven't, more often they've gained.It's probable that any NI credits from claiming WTC would have been useless prior to 2016. Post 2016 they might have gained you something.1
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As above, if you worked full time from age 16 (1971?) to 2009 any credits from then up until 2016 are unlikely to have made any difference to your pension position. It would seem likely that you would by 2009 had enough years for a full new pension, the only reason not to have received one would be a contracted out history. If self employed post 2016 then the very cheap - £150ish per year - class 2 would have been available and there is the possibility they still are so it would be well worth looking at that possibility to top up your pension. The bigger problem here seems to be a lack of understanding of the nuances of the post 2016 state pension along with a rant about (missing ?) the 2011 changes to women's pension age (us men were affected by that as well). You are still receiving the "full" pension you were entitled to at 2009.
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Brie said:People may suggest that anyone's name could go first but in a patriarchial society the male in a relationship often gets top billing. I mean - how often does anyone refer to Mrs & Mr Smith?
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zagfles said: If you had 35 years, you'd get the full new state pension UNLESS you'd been in contracted out employment,"You've been reading SOS when it's just your clock reading 5:05 "0
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sammyjammy said:zagfles said: If you had 35 years, you'd get the full new state pension UNLESS you'd been in contracted out employment,
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This is incorrect, the 35 years only applies to those who started paying NI in 2016.
The "35 years" had relevance to everybody's starting amount calculation at 6/4/16.
That said, having 35 years (or indeed in excess of 35 years) would not necessarily mean that the individual qualified for full NSP.
Above produced as a public information guide - NSP at inception was actually £155.65.
Old Rules
NI years/30 (max) x Full Basic + (Additional State Pension - (if applicable) Deduction for Contracting Out).
New Rules
(NI years/35 (max) x Full New State Pension) - (if applicable) Contracted Out Pension Equivalent.
The starting (foundation) amount was the higher of the two.
Thus anybody having 35 years at inception but no COPE would have qualified for a full NSP.
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zagfles said:Brie said:People may suggest that anyone's name could go first but in a patriarchial society the male in a relationship often gets top billing. I mean - how often does anyone refer to Mrs & Mr Smith?0
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