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    • Jack Itin
    • By Jack Itin 12th Apr 18, 2:17 PM
    • 324Posts
    • 143Thanks
    Jack Itin
    Confusion Over Pension
    • #1
    • 12th Apr 18, 2:17 PM
    Confusion Over Pension 12th Apr 18 at 2:17 PM
    O.k....The other day I received my Old Age pension notification letter, giving a figure of 147.81 per week.....the government website says that I will get 152.51 per week.....which is correct ??....the gov. website also says that my NI contribution record for 2017/18 is not available yet.....I have over 40 years of contributions.......any clarification welcome....
    Retired (Early) April 2015
Page 1
    • Brynsam
    • By Brynsam 12th Apr 18, 2:23 PM
    • 1,740 Posts
    • 1,278 Thanks
    Brynsam
    • #2
    • 12th Apr 18, 2:23 PM
    • #2
    • 12th Apr 18, 2:23 PM
    A lot of your contributions will be pre-2016, so the whole 40 years won't count under the new state pension system. Possibly when the website has updated to include your 2017/18 contributions the weekly figures will tally.

    https://www.gov.uk/new-state-pension/how-its-calculated
    • Jack Itin
    • By Jack Itin 12th Apr 18, 2:33 PM
    • 324 Posts
    • 143 Thanks
    Jack Itin
    • #3
    • 12th Apr 18, 2:33 PM
    • #3
    • 12th Apr 18, 2:33 PM
    Thanks for that.....I realise that I won't get the full amount, because I was contracted out for some years.....they still say that I can contribute, to allow me to get the 152.51, but I have been advised to ignore this, as people are given two free years.....is this correct ?
    Retired (Early) April 2015
    • Silvertabby
    • By Silvertabby 12th Apr 18, 2:53 PM
    • 3,523 Posts
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    Silvertabby
    • #4
    • 12th Apr 18, 2:53 PM
    • #4
    • 12th Apr 18, 2:53 PM
    Not everyone gets the 'free' years - you have to be male and born before a certain date. Basically, if you had had a twin sister, she would have received her State pension at 63 years and X months, whereas you, as a male, will have to wait until you are 65. As part of the re-equalisation of State pension ages, your twin sister's State pension age is your Pension Credit age. This not only gives you access to means tested benefits, if you qualify, but also - as in your and Mr S's cases - non means tested goodies such as the Winter Fuel Allowance (you had to apply for it) and NI credits if you weren't working (applied to your NI record automatically).
    Last edited by Silvertabby; 12-04-2018 at 3:01 PM.
    • GunJack
    • By GunJack 12th Apr 18, 2:54 PM
    • 10,469 Posts
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    GunJack
    • #5
    • 12th Apr 18, 2:54 PM
    • #5
    • 12th Apr 18, 2:54 PM
    Automatic NI credits for a man over female SP age maybe?
    ......Gettin' There, Wherever There is......
    • Tom99
    • By Tom99 12th Apr 18, 2:55 PM
    • 3,115 Posts
    • 2,172 Thanks
    Tom99
    • #6
    • 12th Apr 18, 2:55 PM
    • #6
    • 12th Apr 18, 2:55 PM
    Thanks for that.....I realise that I won't get the full amount, because I was contracted out for some years.....they still say that I can contribute, to allow me to get the 152.51, but I have been advised to ignore this, as people are given two free years.....is this correct ?
    Originally posted by Jack Itin
    Depending when you were born, yes:

    https://www.gov.uk/automatic-pension-credits-for-men
    • GunJack
    • By GunJack 12th Apr 18, 2:55 PM
    • 10,469 Posts
    • 7,831 Thanks
    GunJack
    • #7
    • 12th Apr 18, 2:55 PM
    • #7
    • 12th Apr 18, 2:55 PM
    Ninja'd by Silvertabby
    ......Gettin' There, Wherever There is......
    • Silvertabby
    • By Silvertabby 12th Apr 18, 2:58 PM
    • 3,523 Posts
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    Silvertabby
    • #8
    • 12th Apr 18, 2:58 PM
    • #8
    • 12th Apr 18, 2:58 PM
    O.k....The other day I received my Old Age pension notification letter, giving a figure of 147.81 per week.....the government website says that I will get 152.51 per week.....which is correct ??....the gov. website also says that my NI contribution record for 2017/18 is not available yet.....I have over 40 years of contributions.......any clarification welcome....
    Originally posted by Jack Itin
    The website includes the April 3% increase but your letter doesn't. 147.81 plus 3% = 152.24. Mr S's figures were a few pence out as well - don't know why.
    • greenglide
    • By greenglide 12th Apr 18, 3:09 PM
    • 3,216 Posts
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    greenglide
    • #9
    • 12th Apr 18, 3:09 PM
    • #9
    • 12th Apr 18, 3:09 PM
    If your contributions record for 2017/18 is required (it gives the final amount to drag you across the line) then without that you have to wait for that to be available.

    When the autocredits for men who are over female SPa are added I don't know but it shouldnt take long.

    I assume you SPa is after 5th April 2018, otherwise 2017/18 is not a qualifying year anyway.
    • Jack Itin
    • By Jack Itin 12th Apr 18, 3:47 PM
    • 324 Posts
    • 143 Thanks
    Jack Itin
    Yes, I should be eligible for the free two years......state pension kicks in on 30th April 2018.......
    Retired (Early) April 2015
    • Silvertabby
    • By Silvertabby 12th Apr 18, 5:13 PM
    • 3,523 Posts
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    Silvertabby
    Yes, I should be eligible for the free two years......state pension kicks in on 30th April 2018.......
    Originally posted by Jack Itin
    Did you claim your Winter Fuel Allowance?
    • greenglide
    • By greenglide 12th Apr 18, 5:18 PM
    • 3,216 Posts
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    greenglide
    .... hopefully five years ago!

    They used to send a letter to all males approaching female SPa inviting them to claim the winter fuel payment via the Winter Fuel Payment system. I assume this is still the case.
    • Jack Itin
    • By Jack Itin 12th Apr 18, 5:22 PM
    • 324 Posts
    • 143 Thanks
    Jack Itin
    No ......my Mrs. gets 200 fuel allowance, I assume that we both would not get it.......
    Retired (Early) April 2015
    • Thrugelmir
    • By Thrugelmir 12th Apr 18, 5:43 PM
    • 61,352 Posts
    • 54,595 Thanks
    Thrugelmir
    ....the gov. website also says that my NI contribution record for 2017/18 is not available yet....
    Originally posted by Jack Itin
    Employers have until the middle of May to file annual returns for the 17/18 tax year. You'll be waiting a while longer yet.
    Financial disasters happen when the last person who can remember what went wrong last time has left the building.
    • xylophone
    • By xylophone 12th Apr 18, 6:06 PM
    • 27,687 Posts
    • 16,640 Thanks
    xylophone
    Re Winter Fuel Allowance

    https://www.gov.uk/winter-fuel-payment/what-youll-get
    • Jack Itin
    • By Jack Itin 12th Apr 18, 6:46 PM
    • 324 Posts
    • 143 Thanks
    Jack Itin
    As I suspected......only one of us could claim it.......
    Retired (Early) April 2015
    • greenglide
    • By greenglide 12th Apr 18, 6:55 PM
    • 3,216 Posts
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    greenglide
    If there are two people at the same address who are both over female SPa then both are expected to claim and they will both get the shared rate - 100.

    It all comes out the same (two 100s rather than one 200) but technically neither partner is entitled to the single rate even if the other hasn't claimed.

    Since you will be claiming SP by the qualifying week (in September) you will get it automatically at the shared rate any way.
    • Jack Itin
    • By Jack Itin 12th Apr 18, 7:13 PM
    • 324 Posts
    • 143 Thanks
    Jack Itin
    I took early retirement, on 30th April 2015.....my NI record shows that 2015/16 is not full, which is correct.....however my record for 2016/17 IS full, so I have already received one free year......presumably 2017/18 will be the other free year ?
    Last edited by Jack Itin; 12-04-2018 at 7:17 PM.
    Retired (Early) April 2015
    • greenglide
    • By greenglide 12th Apr 18, 8:18 PM
    • 3,216 Posts
    • 2,093 Thanks
    greenglide
    Yes, it will be. Will you actually need it?

    And, if you need any more, you could pay class 3 for 2015/16 (although it sounds as if you won't need to).

    Edit: 2015/16 wouldnt get anything as the OP is already above the old rules basic pension of 122.30.
    Last edited by greenglide; 13-04-2018 at 10:01 AM.
    • Jack Itin
    • By Jack Itin 13th Apr 18, 4:44 AM
    • 324 Posts
    • 143 Thanks
    Jack Itin
    No, I shouldn't need any extra years, to get the higher figure, so I expect another letter at some point.....
    Retired (Early) April 2015
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