Question On State Pension

[carosio]

I understand that a person will get the Basic State Pension if they have a minimum of 10 qualifying years , and the Full State Pension if the have more than 30. However I can't find any info for anyone who has less (or no) qualifying years. There are some people who have never been in the "system" since leaving school, so they would be in this position. Universal Credit now ends at retirement age but in the past (if I remember right) Social Security could be claimed (means tested) if  State Pension wasn't eligible.

[BigAl1]

You are misinformed to get full state pension you need 35 years of contributions. I suggest you look at this page and then seek advice from qualified people who can answer your questions based on you specific situation and that you do not rely on a bunch of strangers who may or may not know what they are talking about

 

 

https://www.citizensadvice.org.uk/debt-and-money/pensions/types-of-pension/state-pension/

[Annie Bynnol]

4 hours ago, BigAl1 said:

You are misinformed to get full state pension you need 35 years of contributions. I suggest you look at this page and then seek advice from qualified people who can answer your questions based on you specific situation and that you do not rely on a bunch of strangers who may or may not know what they are talking about

 

 

https://www.citizensadvice.org.uk/debt-and-money/pensions/types-of-pension/state-pension/

    Even then if you have 35 qualifying years you will not get the Full pension if you contributed when in the armed forces, fire, police, council, teacher, NHS, local government, civil service etc., BigAl1 is right-  get advice.

[carosio]

It doesn't affect myself; the question was partly hypothetical, but also may be of concern to someone I know.

Edited February 10 by carosio

[BigPP]

2 hours ago, carosio said:

It doesn't affect myself; the question was partly hypothetical, but also may be of concern to someone I know.

They are likely to be able to claim the pension credit

[gaz678]

I've paid into it since leaving school hopefully get a bit back in 4 years ...what about people who payed nothing at all they still get looked after am sure ?

[carosio]

1 hour ago, gaz678 said:

I've paid into it since leaving school hopefully get a bit back in 4 years ...what about people who payed nothing at all they still get looked after am sure ?

This is puzzling, I can only imagine some kind of means-tested benefit.

 

BigPP might have the answer in Pension Credit, and if it is, opens the door to more types of benefits.

[BigPP]

1 hour ago, carosio said:

This is puzzling, I can only imagine some kind of means-tested benefit.

 

BigPP might have the answer in Pension Credit, and if it is, opens the door to more types of benefits.

This is the number to call. 0800 99 1234. Do not delay

[foxydebs]

17 hours ago, Annie Bynnol said:

    Even then if you have 35 qualifying years you will not get the Full pension if you contributed when in the armed forces, fire, police, council, teacher, NHS, local government, civil service etc., BigAl1 is right-  get advice.

So a good chunk of my working life so far has been in the NHS, I do pay into their works pension but are you saying nhs employees don't get full state pension.  We no longer get final salary pension as nhs employees.

[Annie Bynnol]

   Yes some will not, How-contracting-out-affects-your-amount. It and applies to all contributions as state employees if they reach State Pension age on or after 6 April 2016.

   However if you are still working,  every year worked  in any job after 2016 reduces the gap by £5.67 pw. Those with a continuous employment record since then will catch up.

 

   All state employees were encouraged to contract out'  of the Additional State Pension and in exchange for reduced NI contributions. This has ended but there are millions who because of this will get less