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  • FIRST POST
    • Roxy1955
    • By Roxy1955 18th May 17, 2:57 PM
    • 2Posts
    • 0Thanks
    Roxy1955
    Claiming State Pension
    • #1
    • 18th May 17, 2:57 PM
    Claiming State Pension 18th May 17 at 2:57 PM
    How confusing. I've received my letter saying I must claim, but when do I claim. Letter implies doing it by 4 months using online, and gives a strong impression you need to do it by 3 months at the latest.
    It also though suggests phoning will be easier, but when I phone I'm told I can't apply until 2 months before my pension entitlement date.
    Anyone got any clues please, only the government could send you a letter and booklet that it seems isn't factually correct.
Page 1
    • greenglide
    • By greenglide 18th May 17, 3:40 PM
    • 3,096 Posts
    • 2,015 Thanks
    greenglide
    • #2
    • 18th May 17, 3:40 PM
    • #2
    • 18th May 17, 3:40 PM
    You should be able to use the on-line claim facility now.

    They "put off" claims by telephone when they are busy by suggesting people claim in a couple of months but of course that just pushes the can down the road!

    The wording on the Invitation to Claim letter has never been brilliant and the IT doesnt get changed to make the wording reflect the current claims handling situation.

    I sensible approach might be to send out the BR33 letter closer to the SPa date (four months is a long time these days) but the transaction is initiated by HMRC and require them to change their IT.
    • xylophone
    • By xylophone 18th May 17, 6:20 PM
    • 25,371 Posts
    • 14,967 Thanks
    xylophone
    • #3
    • 18th May 17, 6:20 PM
    • #3
    • 18th May 17, 6:20 PM
    https://www.gov.uk/new-state-pension/how-to-claim

    There's always the form....

    And remember that if you want to receive the pension weekly, you must say so - it won't be offered.
    • judy
    • By judy 18th May 17, 6:27 PM
    • 13 Posts
    • 13 Thanks
    judy
    • #4
    • 18th May 17, 6:27 PM
    • #4
    • 18th May 17, 6:27 PM
    I claimed online a couple of months ago - it was very straightforward.
    • Roxy1955
    • By Roxy1955 19th May 17, 4:54 AM
    • 2 Posts
    • 0 Thanks
    Roxy1955
    • #5
    • 19th May 17, 4:54 AM
    • #5
    • 19th May 17, 4:54 AM
    Thanks everyone, think I will just take the online option. When I phoned though, they seemed to imply that it wouldn't be dealt with until nearer the time anyway and waiting to phone was the best option.
    • mjmal51
    • By mjmal51 19th May 17, 8:22 AM
    • 560 Posts
    • 289 Thanks
    mjmal51
    • #6
    • 19th May 17, 8:22 AM
    • #6
    • 19th May 17, 8:22 AM
    One benefit of claimng by phone is that you can request that the SP is paid weekly, one week in arrears rather than the only online option which is 4 weeks in arrears.
    They do not offer this on the phone but if you ask them they will do it. I prefer it but it is up to the individual.
    • reeac
    • By reeac 19th May 17, 8:31 AM
    • 1,199 Posts
    • 485 Thanks
    reeac
    • #7
    • 19th May 17, 8:31 AM
    • #7
    • 19th May 17, 8:31 AM
    I remember that when when I was a few weeks past my 65th birthday and had not received any pension I discovered that you actually had to claim it in order to get it. Naively I had thought that the State must know from its various records that I had reached 65 and would have an automatic system that started paying out. Should have known better .... .
    • greenglide
    • By greenglide 19th May 17, 9:05 AM
    • 3,096 Posts
    • 2,015 Thanks
    greenglide
    • #8
    • 19th May 17, 9:05 AM
    • #8
    • 19th May 17, 9:05 AM
    I discovered that you actually had to claim it in order to get it. Naively I had thought that the State must know from its various records that I had reached 65 and would have an automatic system that started paying out
    The "state" does "know".

    Normally they send a letter out (an "Invitation to Claim") around four months before you reach State Pension age. However if you have moved and DWP do not have the correct address then it may not get there.

    Under certain circumstances people who look to have no entitlement (dont meet the minimum qualifying period etc) were not send a letter (a bit pointless sending a letter telling someone to claim when you know they will get nothing) but I believe they now have a "we believe you have no entitlement" letter they send instead.

    You have always had to claim the pension before you actually got it though except for certain people on other benefits already (Pensions Credit and Income Support).
    • mgdavid
    • By mgdavid 19th May 17, 10:27 AM
    • 5,594 Posts
    • 4,916 Thanks
    mgdavid
    • #9
    • 19th May 17, 10:27 AM
    • #9
    • 19th May 17, 10:27 AM
    ........ Naively I had thought that the State must know from its various records that I had reached 65 and would have an automatic system that started paying out. Should have known better .... .
    Originally posted by reeac
    had you considered all the people who wish to defer their SP? Can you imagine the hassle in stopping payment and recouping those already paid?
    The questions that get the best answers are the questions that give most detail....
    • badmemory
    • By badmemory 19th May 17, 1:37 PM
    • 1,606 Posts
    • 2,110 Thanks
    badmemory
    had you considered all the people who wish to defer their SP? Can you imagine the hassle in stopping payment and recouping those already paid?
    Originally posted by mgdavid
    Also under the old rules (I believe the new rules are different) you could start off deferring, then take your state pension for a while and then defer again. This would not have been possible if they had just automatically paid out.
    • Martlea
    • By Martlea 27th Mar 18, 11:09 AM
    • 8 Posts
    • 2 Thanks
    Martlea
    Beware!
    In theory claiming state pension on-line should be simple and effective. In practice the DWP computer systems seem to be notoriously bad and in my case after negotiating the torturous Government Gateway process, it self a lesson in how to over complicate a process, I managed to register and receive my ID, logged in an finally got to submit my claim. Of course I heard nothing further.
    So shortly before my expected pension payment date I phoned the DWP, navigated the absurd telephone menu systems and spoke to a person who blankly informed me no claim from me has been received and would I care to claim now!
    Of course I re-submitted my claim and must now wait again in limbo for the confirmation letter and payment date/amount etc.
    So if you also submit an on-line claim do note where is tells you to phone them after 14 days if you don't get a DWP confirmation letter or this is likely to happen to you. By the way trying to complain is another huge waste of time as well.
    • BLB53
    • By BLB53 27th Mar 18, 11:23 AM
    • 1,265 Posts
    • 1,047 Thanks
    BLB53
    I have not been impressed by the pension service at DWP so yes, apply online asap and then chase things up by phone at least one month before the start date to make sure you get your award notice. My general impression is they are short staffed and firefighting to just deal with what absolutely needs attention at the last minute.
    If you choose index funds you can never outperform the market.
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    • uk1
    • By uk1 27th Mar 18, 6:33 PM
    • 1,030 Posts
    • 650 Thanks
    uk1
    I think the 14 days is not after submitting the form but 14 days before your planned retirement date.

    We were told a month or so ago that our online applications had been received and were in process and we are now within 14 days of the requested start date. Iím going to wait until the payments were due then call them as I cannot face the telephone wait so soon after the last one.
    • brewerdave
    • By brewerdave 28th Mar 18, 10:30 AM
    • 4,841 Posts
    • 2,013 Thanks
    brewerdave
    In theory claiming state pension on-line should be simple and effective. In practice the DWP computer systems seem to be notoriously bad and in my case after negotiating the torturous Government Gateway process, it self a lesson in how to over complicate a process, I managed to register and receive my ID, logged in an finally got to submit my claim. Of course I heard nothing further.
    So shortly before my expected pension payment date I phoned the DWP, navigated the absurd telephone menu systems and spoke to a person who blankly informed me no claim from me has been received and would I care to claim now!
    Of course I re-submitted my claim and must now wait again in limbo for the confirmation letter and payment date/amount etc.
    So if you also submit an on-line claim do note where is tells you to phone them after 14 days if you don't get a DWP confirmation letter or this is likely to happen to you. By the way trying to complain is another huge waste of time as well.
    Originally posted by Martlea
    On another recent thread that I started re claiming deferred pension online, it was suggested by one poster that many online claims had been lost late last year due to a change in the DWP systems. Looks like you are an example of that!!
    As an aside ,the phone queues are still horrendous
    • uk1
    • By uk1 28th Mar 18, 11:45 AM
    • 1,030 Posts
    • 650 Thanks
    uk1
    They were still available online as late as January.

    If a commerical pensions organisation provided the service levels of DWP then the government would legislate to bring them into line.
    • ibizafan
    • By ibizafan 28th Mar 18, 8:32 PM
    • 719 Posts
    • 847 Thanks
    ibizafan
    Phoned this morning at 8am to check on the progress of my postal claim for a deferred state pension and got straight through! A very helpful person said that I was on track to get my first payment starting from April 3rd, although the deferred part will take a further five weeks as it is sent to a Ďspecialistí unit to calculate, and then an offer is made by post with the figures for the lump sum and the extra pension. At last I feel as if I am getting somewhere.
    • uk1
    • By uk1 28th Mar 18, 9:26 PM
    • 1,030 Posts
    • 650 Thanks
    uk1
    Phoned this morning at 8am to check on the progress of my postal claim for a deferred state pension and got straight through! A very helpful person said that I was on track to get my first payment starting from April 3rd, although the deferred part will take a further five weeks as it is sent to a Ďspecialistí unit to calculate, and then an offer is made by post with the figures for the lump sum and the extra pension. At last I feel as if I am getting somewhere.
    Originally posted by ibizafan
    Had you received the 14 day letter prior to your 3rd April first payment?

    Out of interest is your deferred pension have a start date of 3rd April as well?
    • seven-day-weekend
    • By seven-day-weekend 29th Mar 18, 6:33 AM
    • 30,581 Posts
    • 57,774 Thanks
    seven-day-weekend
    I claimed mine by phone a few months before my birthday and asked for it to be paid weekly. The advisor was very helpful and told me how much it was going to be and when the first payment would be. It happened exactly as she said.

    This was in early 2010 (I was one of the last to be able to claim it at 60 ) - I expect it is not as straightforward now. Good luck to all claiming.
    • ibizafan
    • By ibizafan 29th Mar 18, 11:29 AM
    • 719 Posts
    • 847 Thanks
    ibizafan
    The only letter I have received was sent with the return of my marriage certificate, which said that the application should be dealt with within ten days. As the ten days had passed, I decided to ring to check on progress. Not sure about the start date of the deferred part if Iíve got to wait a further five weeks for the offer. Surely it should be backdated to April 3rd, but we shall see.
    • uk1
    • By uk1 29th Mar 18, 3:22 PM
    • 1,030 Posts
    • 650 Thanks
    uk1
    The only letter I have received was sent with the return of my marriage certificate, which said that the application should be dealt with within ten days. As the ten days had passed, I decided to ring to check on progress. Not sure about the start date of the deferred part if I!!!8217;ve got to wait a further five weeks for the offer. Surely it should be backdated to April 3rd, but we shall see.
    Originally posted by ibizafan
    Thanks, I was just wondering how many people currently actually receive the 14 day letter.

    Also I believe you might have been slightly better off having your pension start on the 5th April rather than 3rd, as the defferal calculation would then have been based on the higher pension figure. It might be worth your while considering this and if you agree call and change it.

    http://forums.moneysavingexpert.com/showpost.php?p=74036768&postcount=48
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