Unfair and discriminated State Pension

calcotti

jigsawg

I asked about pension credit several months ago.  I hadn't heard anything after the date they quoted I would, so rang the help line.

Claims are currently typically taking about six months to process.

luvchocolate

You are entitled to half his pensions. 
After divorce we did this and I had to start a private pension with it. 
The house really should have been dealt with when you separated. 
I do understand your frustration..I went through this at 60 years and continued to work full time after retirement age to build up a better pension by deferring my state pension. 

xylophone

It is already 66.

 Thanks - I've become out of date!

xylophone

Claims are currently typically taking about six months to process.

It would seem from your earlier post that had processing been timely, ( with the OP having no savings and no income other than a weekly SP of around £166 a week), she would have been eligible for around £15 a week  of PC (which opens the gate to other concessions).

However, if she ends up with a private pension (albeit modest on the figures given) and some capital after paying off her debts (perhaps £50,000  or so  assuming she doesn't take her PCLS from the pension) she may have an income which although modest, puts her above PC level.

Would she be entitled to any  PC on a backdated basis?

xylophone

His other 2 pensions are smaller amounts. 

I would have thought that they still needed to be taken into consideration.

I assume that your solicitor has advised you that the pension settlement will be in the form of a cash sum which will need to be transferred into a personal pension in your name?

Once in a pension in your name, you will have certain choices to make about how you access the pension.

Have you worked out what is the minimum you need to live on after paying off your debts?

Would you feel up to making some preliminary enquiries about what housing may be available for older people through your local authority/housing associations?

Marcon

luvchocolate said:

You are entitled to half his pensions. 
After divorce we did this and I had to start a private pension with it. 

There's no such automatic entitlement. Pensions are like other assets - taken into account but not necessarily split 50:50, depending on the circumstances and the value of other assets (and the treatment in Scotland is different from England and Wales, so that too will be a factor, depending on where the parties live).

OP - have you looked at paying voluntary NI to boost your state pension? https://www.moneysavingexpert.com/savings/state-pensions/

The fact your ex-husband let one of his pensions 'lapse' doesn't mean there are no assets there. You need to ensure you have up to date valuations for all his pensions. Pension sharing (where a %age of the capital value of his pension) is allocated to you means that a lump sum is available for you to transfer to a pension arrangement of your choice, so the fact he is younger than you is irrelevant.

xylophone

OP - have you looked at paying voluntary NI to boost your state pension? https://www.moneysavingexpert.com/savings/state-pensions/

The OP reached SPA in 2013 and  it seems was entitled to full Basic and some SERPS/S2P.

If so, she cannot boost her SP.

jennystarpepper

Sorry to hear about what has happened to you.  Can I ask if you have made a will, if not it might be worth doing so.