Will I get the basic State pension?

Conrad3000

Hi all.

I've been working part-time for nearly 25 years and haven't paid any tax or national insurance in that time.

If I continue in that set-up and reach pensionable age, would I qualify automatically for a state pension?

If not, what kind of help will be available financially when I'm 70+?

Thanks.

Dazed_and_C0nfused

Conrad3000 said:

Hi all.

I've been working part-time for nearly 25 years and haven't paid any tax or national insurance in that time.

If I continue in that set-up and reach pensionable age, would I qualify automatically for a state pension?

If not, what kind of help will be available financially when I'm 70+?

Thanks.

No, the "basic" State Pension ended in 2016 for new pensioners.

You will be entitled to the "new" State Pension.

The amount of State Pension you will be entitled to will depend on your NI history .  Paying NI (or tax) isn't always a factor.

You can check your personal entitlement on gov.uk.

NB.  In case you were wondering having 35 years NI is not relevant to you.

KxMx

You can check online:
https://www.gov.uk/check-state-pension 

Spoonie_Turtle

In theory if you don't qualify for a minimum state pension amount you would be entitled to claim Pension Credit to bring your income up to that minimum amount, but that's based on things as they are now.  Nobody knows what the benefits landscape will look like when you reach retirement age 

Conrad3000

Ok, thanks guys.

constantworrier

KxMx said:

You can check online:
https://www.gov.uk/check-state-pension 

I've tried doing it online. Registered and put passport details, then they ask for another proof of ID, which I don't have. So I never get through the process.

sheramber

Applying online is the quickest way to get a forecast. If you’ll reach your State Pension age in more than 30 days you can also:

• fill in the BR19 application formand send it by post
• call the Future Pension Centrewho will post the forecast to you

https://www.gov.uk/check-state-pension

TimeLord1

Depending on what they estimate also check the pension credit to cover shortfall