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No State Pension for Housewives, Widows, Divorcees At All

(10 Posts)
Nonu Sun 10-Aug-14 20:06:44

smile to you ETHEL

etheltbags1 Sun 10-Aug-14 19:52:59

that why I work as little as possible in the hot summer, work less in the winter as I cant stand the cold due to underactive thyroid, I don't do much in spring or autumn either as I need to pamper myself when im not at work lol. I have just earned enough to pay my dues over the years and have discovered that the tax man has not taken anything for a few weeks from my pay so maybe things are looking up. Roll on my retirement I will still be putting the lottery on though.

Nonu Sun 10-Aug-14 19:45:01

ETHEL you are perfectly correct, the stress of scrimping cannot be good for health in any way shape or form.

Must be very debilitating.

hmm

etheltbags1 Sun 10-Aug-14 19:32:18

At least I will get something, I have never managed to get anything at all over my lifetime, I have always been the exception but by the time I retire I will have had 40plus years and I have a written forecast of my pension, at the minute I work but on a zero hours basis and so of Im not working I have to manage while others laid off from hourly based jobs can get benefits, I cannot get help with mortgage (I would not ask for this as it was my decision to buy my house), cannot get help with council tax and the list is endless but I do know my pension is safe. The only thing now is to hope I will still be alive then. All the stress of scrimping does not do ones health any good.

rosequartz Sun 10-Aug-14 17:59:52

Oh, caught out, should have read your post, mollie65 blush

rosequartz Sun 10-Aug-14 17:58:44

It has never been 30 years to get a full State Pension.

It used to be that you needed 39 years contributions for a full State Pension which many women never achieved (myself included); to get one after 35 years' worth of contributions sounds like an improvement to me.

Ariadne Sun 10-Aug-14 17:38:20

There is a "proper" GN thread on this quite recently, and it was both moving and enlightening. Thanks for warning us, mollie!

mollie65 Sun 10-Aug-14 16:27:25

just realised this OP is a recurring feature touting support for an e-petition
will ignore in future and save my typing effort.grin

mollie65 Sun 10-Aug-14 16:09:30

and pensioners who retired before 2010 needed respectively 44 (men) and 39 (women) years to get a full pension. the cliff edge happened in 2010 to only need 30 years ! (and it was not retrospective)
Home responsibility NI credits did not come in until 1978 (I think) so lots of women missed out on credits while raising children.
married women/widows(or widowers) can claim on their spouse's NI record
once they reach pension age
yes - life is unfair as they keep moving the goalposts but your post is just addressing one of the many unfair aspects of the state pension.
not to mention that if you have enough income to be above the pension credit limit (because you saved and paid into your own pension as you were advised to do) you get none of the freebies.

lostpension2yourkids60 Sun 10-Aug-14 13:21:31

The wife has to have more than 10 years National Insurance credits if born on or after 6 April 1953, in her own name, to get any state pension at all.

The wife's pension of 60 per cent state pension, based on husband's NI contributions, no longer exists by the Pension Bill passed in May 2014, that brings in the Flat Rate (Single Tier) Pension that comes into force in 2016.

Many women early retired by Austerity job cuts, may also get a massively reduced state pension by the Pension Bill 2014 rising the required NI credits from 30 years to 35 years to get a full state pension.

The Flat Rate Pension effects men born on or after 6 April 1951.

This is not more pension but less for 70 per cent of new claimants.

Pension Credit, State Earnings Related Pension Scheme and State Second Pension all end from 2016 for women born 1953 and men born 1951.

In the future Pension Credit and Housing Benefit could merge.

This means your wife could be left penniless starving forever in old age, and even out on the street.

When women MPs have retained pension payout at 60 from 2012, that was lost from 2013 for the public. Male MPs kept pension payout also at 65.