How doesn't Mum receive full State pension?

GillianD

Mum started work at age 16 and worked until her retirement at age 65. She is now 87 and has never received full State pension.
She did elect to pay the "small stamp" in 1976 as my Dad was self employed. She finished paying the "small stamp" age 60 but carried on working until age 65. 
Shouldn't she be entitled to receive a full State pension?

Sarahspangles

GillianD said:

Mum started work at age 16 and worked until her retirement at age 65. She is now 87 and has never received full State pension.
She did elect to pay the "small stamp" in 1976 as my Dad was self employed. She finished paying the "small stamp" age 60 but carried on working until age 65. 
Shouldn't she be entitled to receive a full State pension?

If she reached State Pension Age before April 2016 she could never have qualified for the current New State Pension. Some pensioners receive more than the previous Basic SP because they contributed to the State 2nd Pension, or other variant.

Did she inherit some pension from your father, or receive additional payment for deferring her State Pension?

GillianD

Thank you.
She did get Dads pension from his 65th birthday to his date if death is for a 6 month period. She has her occupational pension and SERPS.
Our confusion is due to an aunt receiving a full SP yet only ever worked part time.

QrizB

GillianD said:

Mum started work at age 16 and worked until her retirement at age 65. She is now 87 and has never received full State pension.

How much State Pension does she get? What was the breakdown on he last entitlement letter?

The full Basic State Pension for pre-2016 retirees is currently £176.45 a week, on top of which she could potentially receive additional state pension (depending on her NI history, whether she contracted out and so on).

GillianD

Sorry if I'm talking nonsense. I don't think part time or full time matters.

sheramber

Paying the ‘small stamp’ means she  paid less than the full contribution so, as a result, did not build up any state pension in her own right for these years. 

 She relied on inheriting some of her husband!s state pension.

That is how the small stamp worked. 

The five years contributions from 60 to 65  would not  entitle her to a full state pension. 

GillianD

That makes sense, thank you.

Silvertabby

If she paid the married woman's stamp from 1976 until she reached SPA at 60, then her own State pension will only be based on her NI contributions until 1976.  So, most of her pension will be based on your dad's contributions.  

If you post how much your mum gets, and how many full NI years she paid before 1976, we'll have a better idea.

Ignore your aunt's State pension - that has no bearing whatsoever on your mum's entitlement.

Marcon

GillianD said:

Sorry if I'm talking nonsense. I don't think part time or full time matters.

You aren't. You are in unfamiliar territory and not sure what does and doesn't apply - so join about 99% of the population on that one!

GillianD

Thank you all!
I'll get info from her and post it 😊

molerat

Every year she will get an increase letter which will break down how her pension is made up.