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Pension advice/ help please.

ProfilePosted byOptionsPost Date

ZZzzz

ZZzzz Report 27 Dec 2012 15:38

Do i have to wait till my husband is 65 before i can claim my state pension, he is 2 years younger than me, I 've always paid full stamp. Thanks :-)

Von

Von Report 27 Dec 2012 15:41

If you've paid a full stamp you will be entitled to a pension in your own right.
Not sure at what age it is available though cos that has changed.
Von

AnninGlos

AnninGlos Report 27 Dec 2012 15:43

You need to contact the pension people but I think if you paid a full stamp you will get yours when you reach pension age but I also think that depends on when you were born when you can get it.

Andrew

Andrew Report 27 Dec 2012 16:15

This might be useful

https://www.gov.uk/calculate-state-pension

Andy

PatinCyprus

PatinCyprus Report 27 Dec 2012 16:28

With full stamp you get your own pension when you reach the correct age. Ask for a pension forcast.

NB to all females who stopped paying NI due to stopping work from 1975 to look after children and were named on the family allowance book. You are entitled to claim up to 6 years for each child you looked after instead of working. I had 14 years off as my children grew up. Having had 2 children received 12 years entitlement towards my pension. :-)

AnninGlos

AnninGlos Report 27 Dec 2012 16:33

Shame they didn't do similar for those of us looking after children pre 1975 :-(

PatinCyprus

PatinCyprus Report 27 Dec 2012 17:00

Shame is not what my YOUNGER sister said. She'd had her 2 boys by the time she was 20 and was in part time work in 1974 just earning enough to pay NI. She had nothing for earlier years. :-(

AnninGlos

AnninGlos Report 27 Dec 2012 17:05

similar Pat, I was in part time work in 1973 Very part time just enough to pay NI. Had my two in 1961 and 1967. part time job was a school job.

Ron2

Ron2 Report 27 Dec 2012 21:46

Anyone due a state pension should ask for a Pensions Forecast about 6 months prior when pension due. Can ask earlier if want. The Forecast will include if you need to make up any shortfall in NI contributions.

GinN

GinN Report 27 Dec 2012 22:25

Yes,I think you do have to contact them, they don't automatically contact you, so ask for a forecast, and good luck!

Jean

Jean Report 28 Dec 2012 00:51

you will be able to claim your own pension, as you have a payed a full stamp. if you were born after 1st april 1950 it will change. my sis was 60 in october. she will not get her pension untill shes 62 and 6mths. if you had only paid half a stamp as you could then. you would have to wait untill your hubby was 65 to claim it.gov .com pensions will calculate it for you.

Inky1

Inky1 Report 29 Dec 2012 14:41

This is mostly cut&pastes – and only meant as a summary..

It's an old saying that there are only two people in the UK who understand the state pension, but sadly one is dead and the other isn't sure he truly gets it.

What you get depends on the number of years during which you have paid in, or what periods you are given credits for (looking after children, etc.) This determines the number of Qualifying Years (QY’s) that you have accrued.

You qualify at the Government's official retirement age, which depends on when you were born, and your gender, though you needn't start taking the pension at that point. The official retirement age is gradually being raised so while many women currently get it at 60 and men at 65, in a few years, this will rise to at least 66 for both by 2020, and possibly to 68 later on.

Only women born before 06Apr1950 get it at 60. QY’s for full pension = 39.
For women born later the current State Pension age is increasing from 60 to 66 by April 2020. QY’s for full pension = 30.

So, as an example, consider a woman born 01Jul1953.
- Prior to the rule changes, she would have been looking to receive her state pension in 2013.
- But now:
(This last bit is from Gov.uk State Pension Calculator)

You'll reach State Pension age on 6 March 2017.
Your State Pension age is 63 years, 8 months, 5 days.
You should get your pension claim pack in November 2016.
Once you claim your State Pension, the Pension Service will work out how much exactly you get.
If you’re on a low income, you might be eligible to claim Pension Credit.
Pension Credit
You may be entitled to receive Pension Credit from 6 March 2017.
Bus pass
You may qualify for an elderly person’s bus pass from 6 March 2017.
This calculation is according to the current law. The State Pension age may change in the future.