Pension Query-Help Required

hazygirl

I hope someone can give me some advice regarding my situation.
My husband passed away in October,2006 and I received a pension until Oct.2007..
My query is : I worked and paid a full stamp for 32 years before I had my son. Now I know I would be due HRA while I was raising him,but was told some years ago that I would not qualify for a full pension in my own right.
Will I be able to claim on my late husband's contributions when I claim my pension in November 2010?

Thanks.
Hazel.

EdInvestor

You should get a full pension in your own right as the rules change in 2010 and you only need 30 years to get the full basic.If not contracted out, you should also get S2P on top.

LittleVoice

hazygirl wrote: »

IMy query is : I worked and paid a full stamp for 32 years before I had my son.
.

So will you be claiming your pension and child allowance at the same time?

rebeccaj

EdInvestor wrote: »

You should get a full pension in your own right as the rules change in 2010 and you only need 30 years to get the full basic

but only if you were born after 5th April 1950. If you were born before that, the number of years required remains as it is now.

Savvy_Sue

You can get a pension forecast, can't you? They'll know on the pensions board, won't they ... although I'm sure someone here will know as well!

hazygirl

LittleVoice wrote: »

So will you be claiming your pension and child allowance at the same time?

I made the mistake of saying 32 years when it was 22 years. Thanks to all for your helpful replies.

LittleVoice

hazygirl wrote: »

I made the mistake of saying 32 years when it was 22 years. Thanks to all for your helpful replies.

OK. Those 10 years are obviously important. However, I think you should still be able to "buy" past year contributions to boost your pension - although perhaps not enough to get the maximum basic state pension.

Are you working now. If not, you have a couple of years in which to work and pay NI before you retire.

hazygirl

No, I don't work as I have Arthritis and Depression. Could the years I stayed at home to raise my son be counted or my late husband's contributions be taken into account?

Sue-UU

Hi Hazel, I do sympathise with you, as if you haven't enough on your plate without all these problems! How about copying and pasting your post above and putting it on a new thread here http://forums.moneysavingexpert.com/forumdisplay.html?f=19

That's the Pensions board and you may be able to get a little more help there. If not then I suggest you go to the Citizens Advice Bureau and put it all to them as you need to be absolutely sure of where you stand. Jot down exactly how many years you've worked etc so you don't tell them wrong information. Meanwhile do try not to stress about it all as it does no good and won't alter things, no doubt something will turn up, but do try to get all the help you can for now.

Good luck! Sue.

hazygirl

bump
Advice needed.

seven-day-weekend

I think as you are a widow you will be able to claim on your late husband's contributions when you reach State Pension age.