Impact of Married Women's NI stamp versus HRP

Silvertabby

millie said:

Hi Muffin sorry for the late reply I have been trying to find the answer they came back with but cannot find it.

the gist of it was that all the HRP had been included but there was a certain age group covering about 5 years when the the qualifying years were 35 and not 30. I was born in February 1947 and that was in this period. I have searched online to try and find it again but have had no success. I did read it somewhere but do not know where. I will keep on searching

If you mean qualifying years for the full 'basic' State pension, these were:

Up to 5 April 2010
44 years men
39 years women

6 April 2010 to 5 April 2016
30 years men and women

6 April onwards
35 years men and women (but note that, during the transitional period, would actually be anything between 28 and 50 years to qualify for the full single tier pension).

millie

Silvertabby

No it was some thing in the rules that said that women born between certain years had to make 35 years of contributions instead of 30. I was only over a period of about 5 years. I have thrown all my calculations and correspondence away now. I know I had 30 years but they said I needed 35. I hope someone with more knowledge knows the true answer

molerat

millie said:

Silvertabby

No it was some thing in the rules that said that women born between certain years had to make 35 years of contributions instead of 30. I was only over a period of about 5 years. I have thrown all my calculations and correspondence away now. I know I had 30 years but they said I needed 35. I hope someone with more knowledge knows the true answer

Born in 1947 means that you reached retirement pre 2010 so HRP would not add years to your entitlement but would reduce the number of years needed for a full pension with any less being pro rated from that lower number.  The number of years was as Silvertabby states, there has never been a general variation from that.  How many years 1978-79 and onwards were you receiving CB for a child up to 16 ? It may be that the HRP reduced your requirement from 39 to 35.

millie

I think I have found it
https://www.nidirect.gov.uk/articles/qualifying-basic-state-pension

This the part I think is relevant.

How much you get

How much basic State Pension you get depends on your National Insurance record.

The full basic State Pension is £169.50 per week.

You may have to pay tax on your State Pension(external link opens in a new window / tab).

If you’re a man born on or after 6 April 1951 or a woman born on or after 6 April 1953, you’ll get the new State Pension instead.

Qualifying for the full amount

To get the full basic State Pension you need a certain number of qualifying years of National Insurance.

If you’re a man you usually need:

• 30 qualifying years if you were born between 1945 and 1951
• 44 qualifying years if you were born before 1945

If you’re a woman you usually need:

• 30 qualifying years if you were born between 1950 and 1953
• 39 qualifying years if were born before 1950

If you have fewer than the full number of qualifying years, your basic State Pension will be less than £169.50 per week.

You can copy and paste the link for the full article.

molerat

I can't see anything there that differs from what Silvertabby stated.  It merely relates the number of qualifying years needed to the date of retirement falling either side of both the 2010 and 2016 changes with you clearly falling in the 39 years camp.

xylophone

There is no doubt that as a female born pre 6/4/10, you fell under the old state pension scheme and your State Pension Age was 60 and you needed 39 qualifying years to be eligible for a full Basic State Pension.

The number of QY required could be reduced (but not to fewer than 20) if you were in receipt of Child Benefit between 6/4/78 and 5/4/2010.

https://www.gov.uk/home-responsibilities-protection-hrp

millie

I have not disputed what anyone has said. I was just replying to Muffin28121949 she asked me to let her know how I got on with my claim. When I put my claim in I was under the impression that I only needed 30 years which was clearly wrong.

dragonfly63

Hi, thanks for the information.

i gave up work to have children in 1983 and 1985.  I chose to pay an increased rate of NI.  How can I check if I am owed anything please?

molerat

dragonfly63 said:

Hi, thanks for the information.

i gave up work to have children in 1983 and 1985.  I chose to pay an increased rate of NI.  How can I check if I am owed anything please?

The important thing here is when you reached state retirement, how much pension you are receiving and if you have any gaps in your NI record.