Backdated new state pension?

moneysavingnovice999

About my wife's pension - we didn't think she was entitled to any nSP as she has been a housewife, has not been employed and only had 1 year NI, and 22 years of no NI. She reached State Pension Age in 2019.
Thanks to MSE she is about to buy 13 years of NI (2006/07 - 2018/19) in order to achieve entitlement (10 years NI) and boost her a bit beyond.  And as I received Child Benefit for our daughter from 1997-2004 she has applied for HRP Transfer to get credits for a further 8 years NI for those years.  All good so far.
What we want to know is how does deferring work?  The Gov pensions website says if you don't claim nSP it is automatically treated as deferred,and you get 1% extra pension for every 9 weeks deferred.  But does deferral start when she reached SP age (even though in 2019 she wasn't entitled, only having 1 year NI), or doesn't deferral start until entitlement is achieved (when she pays the voluntary contribution to reach 10 years NI)? 
Hope that's all clear (?),
Thanks in advance,

Dazed_and_C0nfused

does deferral start when she reached SP age (even though in 2019 she wasn't entitled, only having 1 year NI), or doesn't deferral start until entitlement is achieved (when she pays the voluntary contribution to reach 10 years NI)? 

I suspect only DWP can answer that.

mjm3346

Guess would be until there is an entitlement there is nothing to defer - once she is entitled to a pension presumable she could defer from that point onwards

Audaxer

moneysavingnovice999 said:

About my wife's pension - we didn't think she was entitled to any nSP as she has been a housewife, has not been employed and only had 1 year NI, and 22 years of no NI. She reached State Pension Age in 2019.
Thanks to MSE she is about to buy 13 years of NI (2006/07 - 2018/19) in order to achieve entitlement (10 years NI) and boost her a bit beyond.  And as I received Child Benefit for our daughter from 1997-2004 she has applied for HRP Transfer to get credits for a further 8 years NI for those years.  All good so far.
What we want to know is how does deferring work?  The Gov pensions website says if you don't claim nSP it is automatically treated as deferred,and you get 1% extra pension for every 9 weeks deferred.  But does deferral start when she reached SP age (even though in 2019 she wasn't entitled, only having 1 year NI), or doesn't deferral start until entitlement is achieved (when she pays the voluntary contribution to reach 10 years NI)? 
Hope that's all clear (?),
Thanks in advance,

As she reached SP age in 2019, I would have thought she either would be entitled to the 3 years deferral at 5.8% increase per year, or if not, I would have thought she would be entitled to get the 3 years of backdated SP payments she has missed out on. I think only DWP can answer whether she is entitled to deferral or backdated payments. I've not worked out the figures, but the backdated payments could be a better option if that is a possible option.

molerat

IMO she will not be entitled to any back payment or deferral.  There has been no DWP or HMRC error. VCs post SRA only take effect from the date they are made.  Up to that point, even with the transferred HRP credits, she had no pension entitlement. Only DWP can confirm but that is my view.

moneysavingnovice999

Audaxer said:

I've not worked out the figures, but the backdated payments could be a better option if that is a possible option.

How can I work out the figures for deferral/backdating options for my wife, so that we can choose the best one?  I can't find any detailed calculation process on the web.  I can try by myself - am I right in thinking that backdated nSP has no lump-sum option and no BaseRate+2% annual increases?
You also mention 3 years backdating - I read that the maximum is 12 months, is that wrong? 

Anyway, thank you everybody for your advice

calcotti

As moneysavingnovice999 says you cannot backdate new State Pension claim for more than one year. However, as molerat says, I think the point is moot because the voluntary contributions are unlikely to create a retrospective entitlement.