State pension and qualifying years

molerat

The optimum to achieve the full £185.15 is 3 pre and 7 post 2016. 4/6 leaves you 11p short.

Aristotle67

Thanks, molerat. I'll stick with the 5 and 5 as I can pay the first five at the current rate. Not sure what 67p will buy in just over 11 years time!

molerat

Aristotle67 said:

Thanks, molerat. I'll stick with the 5 and 5 as I can pay the first five at the current rate. Not sure what 67p will buy in just over 11 years time!

The same as it buys now as the gap will increase with inflation each year

Rogue_Gryphon

My wife has been looking at her forecast - £175pw. She can pay for 2 years to make up the full pension. However there are 2 years1981-82/82-83 which it says insufficient credit and no payment. However we were both unemployed and claiming benefit. We married in 1981 and her credits stopped. I had to claim for both of us. I got the credits but she didn't for both these years. Is this the mistake I think it is? She was not allowed to claim in her own right but was still being paid benefit. As it was so long ago the forecast states its too late but this is their error or am I wrong?

molerat

Rogue_Gryphon said:

My wife has been looking at her forecast - £175pw. She can pay for 2 years to make up the full pension. However there are 2 years1981-82/82-83 which it says insufficient credit and no payment. However we were both unemployed and claiming benefit. We married in 1981 and her credits stopped. I had to claim for both of us. I got the credits but she didn't for both these years. Is this the mistake I think it is? She was not allowed to claim in her own right but was still being paid benefit. As it was so long ago the forecast states its too late but this is their error or am I wrong?

More a benefits question but IIRC when a joint claim is submitted only the lead claimant gets the NI credits.