We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
My wife has never worked, how can she get her state pension?

Crazytrader2021
Posts: 13 Forumite

she is 40s,we have a property to let, I have been working. any ideas please? someone told me she can do the self accessment tax returns and starts from there
0
Comments
-
Crazytrader2021 said:she is 40s,we have a property to let, I have been working. any ideas please? someone told me she can do the self accessment tax returns and starts from there
Class 3 NI is a common route or credits from getting Child Benefit may be another.
Has she checked her current forecast on gov.uk?1 -
Has she checked her situation here?
https://www.gov.uk/check-state-pension
What exactly does the forecast say?
2 -
Crazytrader2021 said:she is 40s,we have a property to let, I have been working. any ideas please? someone told me she can do the self accessment tax returns and starts from thereGoogling on your question might have been both quicker and easier, if you're only after simple facts rather than opinions!1
-
Except the intense jealousy I have at the idea someone in their 40s having never worked, the reason people are asking why is because if you had children then her claiming child benefit would generate national insurance contributions. It's the general strategy for stay at home parents.
If she is just in the fortunate position that you are both flush with cash and she hasn't needed to work (and you don't have children), the objective view would be your wife wouldn't get a state pension as she hasn't contributed anything towards it.
You can however buy missing years through voluntary contributions, if you have the disposable cash. It's generally good value but you should always seek professional advice.
Know what you don't1 -
If she is in her 40s she may well have 20+ years to go until state pension age, so still time to accrue some state pension.It's just my opinion and not advice.1
-
Exodi said:Except the intense jealousy I have at the idea someone in their 40s having never worked, the reason people are asking why is because if you had children then her claiming child benefit would generate national insurance contributions. It's the general strategy for stay at home parents.
If she is just in the fortunate position that you are both flush with cash and she hasn't needed to work (and you don't have children), the objective view would be your wife wouldn't get a state pension as she hasn't contributed anything towards it.
You can however buy missing years through voluntary contributions, if you have the disposable cash. It's generally good value but you should always seek professional advice."No likey no need to hit thanks button!":pHowever its always nice to be thanked if you feel mine and other people's posts here offer great advice:D So hit the button if you likey:rotfl:0
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 349.9K Banking & Borrowing
- 252.7K Reduce Debt & Boost Income
- 453.1K Spending & Discounts
- 242.9K Work, Benefits & Business
- 619.8K Mortgages, Homes & Bills
- 176.4K Life & Family
- 255.8K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 15.1K Coronavirus Support Boards