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Legal, pensions and money

State Pension

(68 Posts)
Villageidiot Tue 03-Aug-21 15:15:36

Easy right? You get to 66, you get a pension? No. It has to be claimed, and I'm finding it impossible! I've followed the online instructions (and what people who aren't online do I've no idea), but have come to proof of I.D. "Do you have a smartphone or tablet that used Android". No. "Borrow one.". Seriously ? Who from, random person in the street? Anyone else with this problem - how did you get around it, please?

Petera Thu 05-Aug-21 15:21:37

Georgesgran

*petera*.
You possibly mean getting a widow’s pension? Not sure if this is a standard amount - but DWP awarded me an additional £60 every four weeks, after DH died.

I don't think so but I'm speaking second hand from something that a friend who works in CAB sent me, so to be clear (I hope...), taken from www.citizensadvice.org.uk/Global/Migrated_Documents/advisernet/09081615.pdf:

"How much extra State Pension or lump sum payment will I inherit if my husband, wife or civil partner dies?

This depends on how the State Pension your husband, wife
or civil partner had put off claiming was made up. You could
inherit:

• 100% of the extra State Pension or lump sum they had
earned on their basic State Pension

• 50% of the extra State Pension or lump sum they had
earned on their Graduated Retirement Benefit (but not any
they may have got from a late wife, husband or civil partner)

• 50% of the extra State Pension or lump sum they had
earned on their State Second Pension, or

• between 50% and 100% of the extra State Pension or lump
sum they had earned on their SERPS pension.

There is a limit to the amount of additional State Pension
(State Second Pension and SERPS) you may get. (This would
be by combining your own additional State Pension and any
additional State Pension you inherit.)

Bea65 Thu 05-Aug-21 15:26:04

Error 404 when i clicked on link

Petera Thu 05-Aug-21 15:56:06

Bea65

Error 404 when i clicked on link

an extra punctuation mark somehow crept in

www.citizensadvice.org.uk/Global/Migrated_Documents/advisernet/09081615.pdf

H1954 Thu 05-Aug-21 16:06:21

They actually wrote to me to say I could claim or defer and that was only. 18 months ago.

Riggie Thu 05-Aug-21 16:56:38

I get carers allowance zo deferring makes no sense to me. I could continue getting carers allowance but would not accrue any additional pension. Might as well go for the pension straight away and lose the carers allowance.

Fashionista1 Thu 05-Aug-21 17:53:02

My pension was calculated incorrectly as I retired. I had paid more contributions than DWP gave credit for. Luckily I had kept every pay slip I had ever had and eventually DWP conceded that I was entitled to more pension than had been calculated originally. It took time to sort out but I now have the correct pension for the rest of my life it was well worth pursuing. Just a warning to you all that they don't always get it right.

Dollydinkum Thu 05-Aug-21 19:56:51

Ethelwashere1

I claimed mine lasy year, i do have a smart phone but did not need it. I rang up then i went online the form was so easy. I didnt need any proof of id. Having said that im a widow so was claiming widows pension so they just changed it over. The only difference being that its now monthly and my wp was 2 weeklý.
Keep trying, my friend got a lovely lump sum after having hers delayed by mix ups. Beware you are taxed on it.

If you ring up, they will change your state pension payments from every 4 weeks, to 2 weekly or even weekly.
When I first claimed my pension via phone, I was told I could only claim it with 4 weekly payments. Several months later, I became aware that some people we’re getting it more frequently ie 1 or 2 weekly. I rang up expecting some hassle but it was changed and

Dollydinkum Thu 05-Aug-21 20:00:13

Oops pressed too quick.
...and I chose 2 weekly payments. It helps me budget better. smile

Legs55 Thu 05-Aug-21 20:38:54

I claimed mine online, form was easy to complete but I had already requested a forecast & was set up with Government Gateway. I used to work for HMRC before I took Early Retirement at age 50 to care for my DH who had Retired at 65.

I was Widowed 7 years ago. When I received my letter informing me of my Pension amount & payment dates I was delighted to see that I have inherited some of my late DH's pension.

After I filled out the application form I was kept informed by text message until I received my award letter.

Pammie1 Thu 05-Aug-21 20:44:43

You can claim by phone.

Edge26 Thu 05-Aug-21 20:47:52

Grannygrumps1,
Thank you.smile

biglouis Thu 05-Aug-21 20:55:49

I got a reminder letter and claimed mine by phone. They sent out a very short form for my bank details and the money was in my account he month after my 60th birthday. I reckon I was just lucky being able to claim at 60 when others just a bit older have had to wait longer. Claiming my occupational and private pensions was a lot more hassle.

Candelle Thu 05-Aug-21 20:57:17

Check and double-check DWP calculations:. they can and do (like anyone!) make mistakes.

Also consider claiming weekly.... Better in your bank account than theirs!

kjmpde Thu 05-Aug-21 22:33:09

Yes it is the civil service and like most government departments, it is managing with fewer staff as cuts are continually made. As the saying goes, you cannot get a quart from a pint pot!

Loz500 Fri 06-Aug-21 07:04:54

Hi sorry to hear you’re having so much stress trying to claim your pension. Firstly though you don’t have to claim you can defer. I could claim mine at 60, but didn’t as I was still working so you get an enhanced pension when you do claim it. Also I just rang DWP up and did it over the phone I’m sure. Didn’t need ID I don’t think, mind you it was 3 years ago now mind. Hope you get it sorted. I really wish they would bring it back to be able to claim at 60 again. People don’t always have the good health as time goes by so don’t get to enjoy their retirement. But that’s another story lol

Maggiemaybe Fri 06-Aug-21 07:35:21

I didn’t have any trouble claiming online last year. And it was only from the online questions that I became aware that I could claim a separate pension for the years I worked abroad. If the telephone claim is simplified, as others have said it is, I wonder if things like this could be missed?

Petera Fri 06-Aug-21 11:33:40

Fashionista1

My pension was calculated incorrectly as I retired. I had paid more contributions than DWP gave credit for. Luckily I had kept every pay slip I had ever had and eventually DWP conceded that I was entitled to more pension than had been calculated originally. It took time to sort out but I now have the correct pension for the rest of my life it was well worth pursuing. Just a warning to you all that they don't always get it right.

I had the opposite when my mother died. It turned out that - entirely due to DWP's mistake - she'd been overpaid for years.

Even though it was their fault the estate still had to pay it back.