A couple of questions

onefurlongout

My mum is 75 and had kids in 77, 82 and 84, she did not work during this period and claimed child benefit. She retired several years ago but isnt in receipt of a full pension. So possibly has a claim.

There are however some added complexities, which might explain the reduction she recieves. 1) She emigrated to the USA in 1998 2) prior to emigrating she lived on the Isle of Man from 1989 to 1998, so this is who her pension is paid through as it was the last place she works and paid NI.

Would HRP still be relevant here or taken into account when calculating what she received and thus resulting in an under payment?

Would appreciate any thoughts or comments

DE_612183

HRP not relevant if she was abroad - unless still claiming UK child benefit.

Does it say which years she hasn't got full NI or equivalent contributions for?

DRS1

Stupid question but when you say she is not getting a full pension what do you mean? Are you comparing it to the New State Pension or the old Basic State Pension? When did she reach state pension age? Did she have any post 2015/6 years of NIC/credits?

dunstonh

https://forums.moneysavingexpert.com/discussion/6657232/a-couple-of-questions

Someone aged 75 now (born around 1951) would receive the old State Pension, as they reached State Pension age before the new system started on 6 April 2016.

So, as D&C says above, you need to clarify what you mean by full pension as there wasn't really such a thng on the old state pension. Only the Basic State Pension had a defined figure. SERPS, S2P and Graduated were very much something built up on an individual basis. In some cases, people had no additional pensions and just had the basic.

A full Basic State Pension would be £176.45pw.

How much is she getting?

molerat

A big factor here is when she reached SRA, aged 75 means her pension could have started either side of April 2010 - but still before April 2016 so the "old pension" applies - which makes a big difference to how HRP is applied. Was she paying the "married womens small stamp" as that would affect the claim. I don't believe the mix of IOM and UK child benefit should affect the overall picture - but likely a bit messy to sort. Does she have access to both her UK and IOM NI records which is the starting point for any investihations ?

p00hsticks

https://forums.moneysavingexpert.com/discussion/comment/81902474#Comment_81902474

Whether she reached SPA before or after 6th April 2010 will also I think determine how many NI years she needed to get the full pension as I think it dropped from 39 to 30 for women on that date ?