state pension question

[dogtired]

Not sure if this is the right place but if not can admin move it?
Mr DT is 65 in December so I helped him gather all his bits and phone the claims desk.
He has just got his breakdown and I think it is wrong.
I already get mine ( had to wait five months because of birthday) always paid "full" NI stamp and during the last two years was on "the dole" for six months.
After the six months I could not get income based job seekers as he worked more than 30 hours per week.
This is why I think the sums are wrong, he has worked since he was 16 and always in excess of 25 to 30 hours per week yet initially his state pension is less than mine.
Should we question it, if it turns out mine is wrong could not pay it back!:tinysmile_aha_t:

[valeriej43]

Re: state pension question

You could take a look at directgov.co.uk which might help you to work out what your husband should get, i am di9vorced and on my own so not sure, but i know a married couples pension is less than 2 seperate pensions, but not sure how it is worked out, sorry cant help more
Hopefully someone will come on hetre with more knowledge about pensions

[dogtired]

Re: state pension question

We did actully, back in January when he was threatened with redundancy.
Even I think it was less but were told that was beause of his NI contributions.
It just sems odd that i am getting more than he will, he, as I said worked full time I did mostly part time or "bank/agency" nursing.

[Hurricane Puffrose]

Re: state pension question

BUMPED for more info <3

[Turboman]

Re: state pension question

Bit hard without all the info dogtired-but i realize itspersonal

-but the state breakdown should explain----look in particular to see if there are any years with a shortfall of stamps

If so--you can buy them btw to permanently increase the pension and have it backdated (as I did)

If you want me to check -I can do --(confidentially of course)--its only sums and logic at the end of the day

[dogtired]

Re: state pension question

will gather it together and pm you sometime in the next day or so. Many thanks DT.

[dogtired]

Re: state pension question

Tried to PM you Turboman but could not post up the actual details.
have looked at the figures again when I got mine last year it was very similar but has gone up since I wonder if his will do the same it does not make it very clear will post up here my details removed no need for his as there is nothing on it but figures its the only way I know how so apologies for quality.

[Turboman]

Re: state pension question

Sorry Dogtired--only just read pm--will look at this lot now

EDIT

Are these 2 for you or is the first and second ones for each of you?

EDIT

Me & Bill share a common E-Mail address btw where we look at stuff for people who need a bit of privacy--you can use that if you like from now on

simiantics@gmail.com

[dogtired]

Re: state pension question

ok the one with blanked out is mine from last year, the other is the one for Mr DT.

[Turboman]

Re: state pension question

soo---extrapolating yours to the new £107.45 rate would mean yours is around£154.66 compared with Mr DT at £144.58---a difference of £10.08

Sooo---its all to do with these 3

• Additional State Pensions
• Caring/incapacity
• Graduated pension

Got to go to Docs--be back soon and will refresh myself re above 3 areas on my return

Anybody else--by all means join in too

ok the one with blanked out is mine from last year, the other is the one for Mr DT.

[dogtired]

Re: state pension question

thats ok, if it will help others!

[Turboman]

Re: state pension question

Right--as below where the differences are--I'm not really familiar with it all--but your BASIC PENSIONS based on years/NI contributions are same (and maximum of £107.45)-soooooo -was Mr DT in a company pension partly so he had more contracted out deductions?
	DT		MR DT		Diff
Basic Pension	107.45		107.45		0
Additional Pension from 6/4/78 to 5/4/97 less Contracted out deductions earned from employers pension scheme	25.77		11.63		14.14
Additional Pension from 6/4/97 to 5/4/2002	3.24				3.24
Additional Pension from 6/4/2002	16.78		20.87		-4.09
Graduated Pension	1.42		4.63		-3.21
total	154.66		144.58		10.08

[dogtired]

Re: state pension question

Mr DT in Nhs scheme will have to check his pay slip if he has one now.
Dont know if its me but it still seems strange that he gets less!
Thank you!

[dogtired]

Re: state pension question

Deductions are Tax National insurance and "sickness scheme" will find out what this is tomorrow.
oh and I have managed, somehow to hide the whats new and most viewed boxs how do I get them back!

[Turboman]

Re: state pension question

oh and I have managed, somehow to hide the whats new and most viewed boxs how do I get them back!

arrows at r/h and l/h of blue bar just below the chatbox (in the blue bar)