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Are most peoples State Pension slightly different.

anotherquestion
Posts: 435 Forumite

Hi folks,
Well the time has finally arrived when I have just applied for the State Pension.
Government Gateway personal tax account have told me in the past that I should get full pension of £203.85, just got the letter and it is working out at £203.71.
Only pennies short I know, £7 a year from full amount, obviously I am not going to question it, in case of a re-calculation downwards.
More curious than anything else if others have differences in a small pennies amount like this, I do realise that for many it can be many pounds in difference.
Thanks.
Well the time has finally arrived when I have just applied for the State Pension.
Government Gateway personal tax account have told me in the past that I should get full pension of £203.85, just got the letter and it is working out at £203.71.
Only pennies short I know, £7 a year from full amount, obviously I am not going to question it, in case of a re-calculation downwards.
More curious than anything else if others have differences in a small pennies amount like this, I do realise that for many it can be many pounds in difference.
Thanks.
0
Comments
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Everyone is individual, only those born this century will have a one size fits all forecast. The difference is likely due to contracting out. The big green box is what you can achieve, not what you have got. What does your latest forecast show ? Post up the exact details asked below and someone will talk you through it.Current weekly £££.pp amount accrued up to April 2022 (or 2023 as some have been updated)
Number of pre April 2016 NI years full
Number of post April 2016 NI years full
Tax year you reach state retirement
Any COPE amount shown, in a click link in "You've been in a contracted-out pension scheme" if there is one.
Years which show not full and prices
1 -
anotherquestion said:Government Gateway personal tax account have told me in the past that I should get full pension of £203.85, just got the letter and it is working out at £203.71.I don't know about 'most' people's state pensions being like that. People might have worked long enough to have paid more than the strictly necessary minimum NI, as I did, or not enough to get so close to the full state pension as my wife did. What proportion get close to the state pension (within one year's NI contribution) I don't know.If it was me, I would try to work out why you were told £203.85 but now you actually have £203.71. Did something change in how long you expected to work, or how much NI you have paid?1
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Thanks, the green box now shows what I am actually going to get which is £203.71 a week.
It does say on there that I have 46 full years contributions. no years with no full amount, but I have been on ESA for a long number of years after being pensioned off on health grounds from my former employer, so got credits for the ESA years.
"Your COPE estimate is £34.98 a week"
As the SP amount is near enough within pennies I'm more than happy with that.0 -
Just another question here as regards SP, I was asked whether married nor not (I'm living with my partner) and that I must also inform them if we do get married.
As I understand it, everyone nowadays has their own SP and I can't claim for a partner as a dependant, so just wondering why it may be relevant in my case.
Many thanks.0 -
anotherquestion said:Just another question here as regards SP, I was asked whether married nor not (I'm living with my partner) and that I must also inform them if we do get married.
As I understand it, everyone nowadays has their own SP and I can't claim for a partner as a dependant, so just wondering why it may be relevant in my case.
Many thanks.
And if your spouse is old enough that they reached SPA priro to April 2016, then you may also inherit some of their pension.
The new State Pension: Inheriting or increasing State Pension from a spouse or civil partner - GOV.UK (www.gov.uk)
Hence the need for DWP to know if you are married and who to.1 -
This has got me thinking. I have semi-retired and plan to carry on working for a few more years. I have
- 38 years of full contributions
- 7 years to contribute before 5 April 2030
- 6 years when I did not contribute enough
EDIT: How do I know how many years I was contracted out for?
0 -
RSTime said:This has got me thinking. I have semi-retired and plan to carry on working for a few more years. I have
- 38 years of full contributions
- 7 years to contribute before 5 April 2030
- 6 years when I did not contribute enough
EDIT: How do I know how many years I was contracted out for?1 -
Am I correct in assuming that the state pension I will receive is the full amount minus COPE or will I actually receive £203.85/week?As you presumably read what you have posted I'm not sure why you think it might be minus the COPE figure?
As it stands you will get £199.74/week. Which will become £203.85 once you add one further post 2016 year.0 -
p00hsticks said:anotherquestion said:Just another question here as regards SP, I was asked whether married nor not (I'm living with my partner) and that I must also inform them if we do get married.
As I understand it, everyone nowadays has their own SP and I can't claim for a partner as a dependant, so just wondering why it may be relevant in my case.
Many thanks.
And if your spouse is old enough that they reached SPA priro to April 2016, then you may also inherit some of their pension.
The new State Pension: Inheriting or increasing State Pension from a spouse or civil partner - GOV.UK (www.gov.uk)
Hence the need for DWP to know if you are married and who to.
Some time after that, you divorce. Are you then supposed to inform DWP about the change?0 -
eastcorkram said:p00hsticks said:anotherquestion said:Just another question here as regards SP, I was asked whether married nor not (I'm living with my partner) and that I must also inform them if we do get married.
As I understand it, everyone nowadays has their own SP and I can't claim for a partner as a dependant, so just wondering why it may be relevant in my case.
Many thanks.
And if your spouse is old enough that they reached SPA priro to April 2016, then you may also inherit some of their pension.
The new State Pension: Inheriting or increasing State Pension from a spouse or civil partner - GOV.UK (www.gov.uk)
Hence the need for DWP to know if you are married and who to.
Some time after that, you divorce. Are you then supposed to inform DWP about the change?1
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