State Pension age in 10 days

Buttercup19

Dear DaisyAnne,
Whatever terminology you use it’s isn’t right!!
I have never mentioned pension credit!!!

In your OP you wrote: "... telling me about pension credit which I won’t be able to claim."

I just wanted you to be aware there are other benefits that can be claimed if you are just over the Pension Credit entitlement level and if you are under it you can still claim Pension Credit itself. I have come across some people who believe they cannot claim Pension Credit if you get the New SP. However, if you are eligible, you can.

welbeck

if OP feels it's disgusting, she is entitled to say so.

Ah, another who thinks "it's my opinion, (or the OP's in this case) so it's therefore my truth". The sooner we stop this doublethink, the better.

The OP is, indeed, entitled to her own opinion. She is not entitled to her "own" facts. Equally, we are all entitled to put the facts forward.

The fact is that all pensions are paid out based on life expectancy. No one is singled out and treated differently. It may feel unfair, but it is the same for everyone. The OP may feel disgusted, but that does not make the system disgusting.

if OP feels it's disgusting, she is entitled to say so.

Dear DaisyAnne,
Whatever terminology you use it’s isn’t right!!
I have never mentioned pension credit!!!

Buttercup19

I get 50% of his additional state pension which equates to £6.14 per week, it’s disgusting as he worked all his life and only got 4 years of his state pension!!

I don't even get my additional state pension, which I paid in my own right! I only paid it for a few years but my total from the new state pension exceeds what I would have received from the old state pension plus additional pension, so I'm not even eligible for it.

State pension has never depended on the total paid in, but the years of contributions. That's why many people who have paid more over fewer years receive less than those who paid less over more years. That's the way it works.

Buttercup19

I get 50% of his additional state pension which equates to £6.14 per week, it’s disgusting as he worked all his life and only got 4 years of his state pension!!

It isn't disgusting. It's how it works. Annoying, sad, irritating, yes but disgusting it is not. The reason some people (mainly women) can go on getting pension for many years is because others do not go on collecting them. All pensions work in this way.

You say you can claim Pension Credit (you say you cannot in your OP). If you are eligible you will get it whichever Pension (Old or New) you are getting. If your are not eligible you will not. If you are very close to the Pension Credit level there are other benefits you can claim and may get them in part or whole.

Yes Buttercup19 it is disgusting.

I get 50% of his additional state pension which equates to £6.14 per week, it’s disgusting as he worked all his life and only got 4 years of his state pension!!

Buttercup I hope you will get more of a % from your late husband's NI contributions. As I have been told I will get 43p as my husband died in 2004 and paid in a full 30 years contributions . I asked why so little and was told he should have paid more years but I said he died . They didn't care. My husband paid in a lot from when he was 17 as he had a high salary not his fault he died aged 47.

The amount online was incorrect as I also got a % of my late husbands pension, hence needing the clarification.

Sorry should read Buttercup19

"Buttercup19" If you had done nothing though, wouldn't you still have had the same outcome? Your pension amount was on-line and you saw it and it was probably processed on 7th December at the correct time and not because you had rung them up. Everything was fine and naturally you were concerned it wouldn't be but being on-line was really all the assurance you needed. With Postal Strikes mail is very unreliable anyway, having the same info on-line is much better.

I just thought I’d update my post, a week before my birthday (19/12) I had to speak to the pensions dept regarding a relative and the very informative man told me my claim was processed on the 7/12 so it was only done when I’d been ringing and not from my online claim in August when I received my letter, so if your pension is due I would ensure you are in the system. He also told me how much I would be receiving, I received a part payment 2 days after my birthday and received a letter a few days ago telling me when I get my next payment etc
Thanks for all your advice

I’ve just remembered they did ask me for bank details when I completed the online form in August and they have acknowledged and given me details of how much I will get from my late husbands additional state pension so I must be in the system so I’ll have to be patient I suppose and wait for a letter or get a surprise in my bank when the first payment is made.

From memory, the dashboard says something like:

You have xx years of full contributions. This is a bit misleading because it doesn't take into account any years you might have paid into an occupational pension.

There are two figures. One is your forecast if you continue to pay contributions until your 66th birthday. The other is how much you'd receive if you stopped paying contributions today. That's why the forecast isn't guaranteed.

I also seem to remember I was asked for some ID and evidence of my divorce. If this information hasn't been requested, it would be worth ringing them and asking whether they have all the information they need. You could probably ask at the same time when the first payment will be made.

I believe you can fill in gaps in your NI record for six years from the year they should have been paid.

Thank you but I think it’s too late for me to pay to give me full years as I’m 66 in 10 days, I’ve not been asked for ID yet it just so stressful and the postal strikes aren’t helping with late deliveries. Thank you for your advice I think I’m going to have to try and forget about and hope a letter comes soon 🤞🤞

You need to check your gaps and count how many full years you have. Your pension will be based on full years. Even if you only have one week missing in a particular year, you won't get credit for that year. Check your gaps! Then work out whether it's worth paying for them.

Any paper notification will just repeat what's online.

FWIW I have 47 years of full contributions, but don't get the full amount because I was opted out for some years.

I'm getting my state pension now, so I can't remember exactly what the dashboard says, but the forecast on there was exactly what I received. It said it wasn't guaranteed (or something like that) right up to the time of my 66th birthday. I guess it was in case I decided not to pay the last contribution or something.

I also seem to remember that I was sent a letter saying when my first payday would be a few days before my 66th birthday, but again it wasn't news. It was what I was expecting. If you've responded to any requests for ID, you'll get your pension on time.

growstuff

You can check online that your contributions record is up-to-date. If it is, you'll get the maximum amount for your number of years of contributions.

I’ve checked and I have 42 full years with some gaps so hoping I’ll get full amount.

But it says not guaranteed, hence I want it in writing and my pay dates. My friend is 66 a week after me and has all her information and will be paid on the 29th 3 days after her birthday.

You can check online that your contributions record is up-to-date. If it is, you'll get the maximum amount for your number of years of contributions.

Buttercup19

Yes and it’s says the full amount £185…. but not guaranteed, I want it in writing with my pay dates

But it's online. Why do you want it in writing? If it says you'll get the full amount, that's what you'll get.

Thank you looks like my payday will be a Wednesday

Yes and it’s says the full amount £185…. but not guaranteed, I want it in writing with my pay dates

NotAGran55

Sorry, crossed post.

Better to say it twice