Mother's pension

xylophone

she worked full time from 14 up until 1964. 

But the concept of the "Basic State Pension" as we know it was only introduced from 1948.

When did your mother get married?  Did she pay the married women's stamp after that point?

And after she returned to work (if she did)?

https://ifs.org.uk/sites/default/files/output_url_files/bn105.pdf

It is  possible that she only became entitled to "spouse" SP (see link above and in my previous) based on your father's contributions when he reached SPA.

sammyjammy

xylophone said:

she worked full time from 14 up until 1964. 

But the concept of the "Basic State Pension" as we know it was only introduced from 1948.

When did your mother get married?  Did she pay the married women's stamp after that point?

And after she returned to work (if she did)?

https://ifs.org.uk/sites/default/files/output_url_files/bn105.pdf

It is  possible that she only became entitled to "spouse" SP (see link above and in my previous) based on your father's contributions when he reached SPA.

I think you are spot on

Britannia12345

I've no idea what any if that means. I just thought everyone got a state pension at 60 back then and it seemed odd that she was 65 when she got it. 

xylophone

I've no idea what any if that means.

Have a look at the links.

 just thought everyone got a state pension at 60 back then and it seemed odd that she was 65 when she got it. 

You were under a misapprehension.

Apart from anything else, in 1986, SPA for women was 60 while for men it was 65.

 At that time, in order to be eligible for a full basic state pension, a woman needed 39 years full NI contributions/credits and a man need 44.

 The ‘married women’s stamp’ was introduced in the 1940s for married working women, allowing them to pay a reduced rate of NICs. This enabled them to claim a partial state pension based on their husbands'  national insurance record  when those men reached SPA.

The Married Women’s Stamp was abolished in 1978, but women already paying reduced contributions were allowed to continue to do so.

It may be that this was the case with your mother.  Or it may be the case that she didn't have enough NICs at full rate to receive any state pension.

Albermarle

Britannia12345 said:

I've no idea what any if that means. I just thought everyone got a state pension at 60 back then and it seemed odd that she was 65 when she got it. 

OK I understand that pension law going back many decades is not that easy to follow, but somebody who understands these things has gone to the trouble of giving you a detailed answer of probably what has happened.

Not much point just repeating the question again.

Britannia12345

Wow, thankyou for the nice answers and as for the prickly answers - I genuinely do not understand the terminology used and was just asking if it was the norm for women to receive their pensions at 60 back in the 80's and men at 65. There was no need for some of the salty answers. 

dunstonh

Britannia12345 said:

Wow, thankyou for the nice answers and as for the prickly answers - I genuinely do not understand the terminology used and was just asking if it was the norm for women to receive their pensions at 60 back in the 80's and men at 65. There was no need for some of the salty answers. 

Those posts must have been removed, as there are no "prickly" responses on the thread.

Silvertabby

dunstonh said:

Britannia12345 said:

Wow, thankyou for the nice answers and as for the prickly answers - I genuinely do not understand the terminology used and was just asking if it was the norm for women to receive their pensions at 60 back in the 80's and men at 65. There was no need for some of the salty answers. 

Those posts must have been removed, as there are no "prickly" responses on the thread.

Just more than one request for an absolutely vital piece of information - ie, did your mum opt to pay reduced NI in the form of the 'married woman's stamp'  Which still hasn't been answered.

LHW99

Britannia12345 said:

I've no idea what any if that means. I just thought everyone got a state pension at 60 back then and it seemed odd that she was 65 when she got it. 

Looking at what xylophone said above:

 The ‘married women’s stamp’ was introduced in the 1940s for married working women, allowing them to pay a reduced rate of NICs. This enabled them to claim a partial state pension based on their husbands'  national insurance record  when those men reached SPA.

and since you say your mum only got her pension when your dad was 65, this is perhaps what happened - she paid the married women's stamp, so had to wait until your dad was old enough to claim his pension before she got hers.

I believe in that case, she should have inherited your dad's pension (ie hers would have been increased to the amount) when he died. You did have to make an actual choice initially when they abolished the married women's stamp, if you wanted to pay full amount to get your own pension. Many married women didn't choose to.

Britannia12345

Because I have no idea and she can't remember anything about a married women's stamp. All she can remember is she knows she paid full ni all her working life.