Are you missing out on state pension money?
This morning, I was on BBC Radio Scotland talking about the hundreds of thousands of retirees, mainly women, who have been underpaid more than £1 billion in state pension.
More than 134,000 pensioners have missed out, and are due payments of £8,900 each on average, according to today’s report from the National Audit Office – plus higher pensions every week for the rest of their lives.
I find these figures mind boggling.
When I first covered this issue in my Woman&Home column last year, the underpayments were estimated to tot up to around £100 million, but have since spiralled to ten times that! Since then, I’ve seen reports of backdated payouts worth well over £100,000, where women had received pitiful pensions for decades, under ‘graduated retirement benefit’. We’re talking life changing sums of money. One of the most mind-boggling figures for me in the NAO report was that the DWP expects to have 544 full time staff working to sort out this mess.
It’s all part of the hideously complicated old state pension system, which was designed around married couples where male breadwinners brought home the bacon for stay-at-home wives.
Married women who had made little or no National Insurance contributions (NICs) were entitled to increased pension payments based their husband’s contributions. This meant women with little pension in their own right were entitled to receive 60% of their husband’s basic state pension, once their husband turned 65.
Women’s state pensions should have been assessed when they reached state pension age and then reassessed when their husband reached state pension age and when they turned 80.
Yet due to a whole combination of computer glitches, failure to apply and messed up systems at the Department for Work (DWP) and Pensions, many women missed out.
Are you owed money in underpaid state pension?
Buckle up folks, because there are a few key numbers to remember, to see if you are due extra state pension:
This is relevant for:
- Women born before 6 April 1953
- Married, divorced or widowed
- Get less than £82.45 a week in state pension payments
- Women over 80, regardless of your marital status, as you may have missed out on an ‘over 80s’ top up.
It’s particularly worth checking if your husband, ex-husband or late husband had a full basic state pension, currently £137.60 a week. Even if your husband gets less, you would be entitled to 60% of the lower amount. Remember, it’s 60% of his basic state pension, without any additional state pension.
If you want to check the married woman’s state pension rate in previous years, check out this table with info back to 2010. This table has basic state pension rates stretching back to 1948 – but you’ll need to work out the 60% married woman’s rate yourself, if you want a steer on whether you were underpaid.
How much you are due is also driven by whether your husband turned 65 before or after 17 March 2008.
- After: the increase should have been made automatically, and you are entitled to a lump sum worth all your underpayments right back to your husband’s 65th birthday. The DWP swears blind it will now make these payments without you doing anything.
- Before: women had to actively claim the uplift themselves, and if you didn’t, you are are only entitled to a payment backdated for the last 12 months. You will need to contact the Pension Service to claim, as you won’t receive any underpayment automatically.
On rare occasions, some husbands may have been due a state pension top up due to their wife’s NICs. Divorced women may be due extra based on their ex-husband’s basic state pension, if they haven’t remarried. Divorcees are particularly likely to have missed out if they got divorced after their husband turned 65. Widows may have been underpaid both before and after their husband died. Bereaved families may also be able to claim on behalf of women who should have received more while alive.
More info in a post I wrote for the PensionBee blog
How can I claim?
If you think you might have been underpaid the state pension, check using the quick questionnaire put together by Steve Webb, previous pensions minister, who has campaigned tirelessly on this issue.
In theory, if your husband reached 65 after 17 March 2008, you should be credited with the money automatically.
If your husband was older, contact the Pension Service on 0800 731 0469. Phone lines are open Monday to Friday, from 9:30am to 3:30pm
What will I get in state pension?
Even if you’re not old enough to have been underpaid state pension, you can still get a State Pension Forecast over on GOV.UK.
This will tell you what you’ll get, when you’ll get it, how much you would get based on your NICs so far, and how many more years you need to carry on paying NICs for a full state pension.
You can also view your National insurance record, and spot any gaps. You need 35 years of NICs for a full new state pension.
You can pay lump sums to top up gaps in your NICs – but only going back six years. This could be worth doing if you otherwise wouldn’t receive a full state pension, but might be a waste of money if you’re likely to work long enough to pay 35 years’ of NICs anyway. Some people also get national insurance credits towards their state pension, for example if they are receiving Child Benefit for a child under 12, or get certain other benefits.
Keen to retire on more than your state pension? Check out my post on ‘what is a pension and why you should care‘
Now – over to you. Have you been received less state pension that you should? Have you had any luck in getting a repayment? Do share in the comments, I’d love to hear.
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I lost about $325,000 USDT to a fake BitbyBit trading platform few weeks back after I got lured into the trading platform with an intent of earning 10% profit daily trading on the platform. This period was a hell of a time for me as I could hardly pay my bills and get my feeding routine done. I had to confide in my close friend who then introduced me to this crypto recovery team with the best recovery software at CYBER GUARD. I contacted them and they were able to completely recover my stolen digital assets with ease . It was indeed an amazing service, this will forever be the best service I got on the internet.
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Hello everyone I want to use this Medium to say big thank you to Recovery Nerds for they helped me recover my stolen crypto worth $210,000 through their hacking skills I tried it I was skeptic but it worked and I got my money back, I’m so glad I came across them early because I thought I was never going to get my money back from those fake online investment websites .. you can also contact them via
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Hello everyone, I’ve always liked the notion of investing in cryptocurrencies, but I didn’t follow the correct procedures, and I ended up losing all of my money to a phony site that made fraudulent bitcoin investments. I was duped out of my hard-earned money after falling for a bitcoin investment scam because I didn’t conduct enough due diligence. I tried everything to get my money back, but I was unable to do so. I also called the authorities, but they were unable to assist me until I learned about THE LION CYBER SECURITY COMPANY, a cryptocurrency recovery company that has assisted other victims of scams in getting their money back. I got in touch with them right away and gave them all the information they required to support their inquiry. The Lion Cyber Security Company was able to locate those con artists and retrieve my cryptocurrency funds. I sincerely appreciate their dependable and competent assistance. The most effective method for getting your cryptocurrency and locked funds back is by reaching out to them through the following
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OMG! Thank you so much Dr. Oniha for restoring my Broken marriage after 4 years of total separation from my lovely husband cos of her mistress who used a spell on him to abandon me and our kids. I saw a testimony on the internet of one Flora testifying of your good work, I contacted you which assured me just 48 hours for an instant result. Sir just same 48 hours as you promise my husband came back home begging for forgiveness to love and cherish i and the kids forever, am so happy and thankful to you Dr. Oniha,,,I am So Happy and Excited because as i am writing this Testimony, My husband is madly in love with me again. If there is anyone Out there who needs spiritual assistance in his/her relationship should kindly Contact Dr. Oniha he can also be of help to you. His contact address is as follows.
Email:onihaspelltemple@gmail.com
CALL/Whatsapp number: +16692213962
OMG! Thank you so much Dr. Oniha for restoring my Broken marriage after 4 years of total separation from my lovely husband cos of her mistress who used a spell on him to abandon me and our kids. I saw a testimony on the internet of one Flora testifying of your good work, I contacted you which assured me just 48 hours for an instant result. Sir just same 48 hours as you promise my husband came back home begging for forgiveness to love and cherish i and the kids forever, am so happy and thankful to you Dr. Oniha,,,I am So Happy and Excited because as i am writing this Testimony, My husband is madly in love with me again. If there is anyone Out there who needs spiritual assistance in his/her relationship should kindly Contact Dr. Oniha he can also be of help to you. His contact address is as follows.
Email:onihaspelltemple@gmail.com
CALL/Whatsapp number: +16692213962
Website: http://onihaspells.com
The Covid-19 pandemic struck the world and became a disaster for my family as I saw my finances crumbling and my merchandise folded. After the mind boggling choice for loans online and getting rejected for a small business loan by my bank and mortgage provider, I reached out to a friend and explained my frustration then she hinted me about Trust Advance Credit. I contacted them expecting the worst and more rejection as usual but surprisingly I was proved wrong with their exceptional customer service that was beyond professionalism. They omitted my low credit score and not only helped me secure a loan but gave me some incredibly useful tips to help keep my credit file in tip top shape in the future. My loan application was immediately accepted in principle and fully approved within 2 working days and I was able to revive my merchandise that had folded due to the Covid-19 pandemic.
I would like to personally thank Kev and Trust Advance Credit for their first class service and much needed help and advice. I would recommend Trust Advance Credit to anyone, you won’t be disappointed. Reach out to them via Email trustadvancecredit@gmail.com or WhatsApp at +15595931640
I am so happy to share this fantastic testimony of mine. My life has changed round completely in 48hours. I can see myself in the mirror and smile. I have confidence in myself and my abilities for the first time in ages. I have my boyfriend back in my life with the help of Dr Oniha. He said sorry 24 hours after the spell was created. He said he realised that he never really wanted to break up and he could not handle emotional baggage I was carrying around all the time. He said that he thought he was the negative influence on my life and thought it best to leave. He said it was hard that I kept talking about the past all the time. We have both forgiven each other. I have money in my pocket that is my own at last. (My compensation cheque came through. I was told it was months away. I am living proof of what Dr Oniha can do. I thank you so much Dr Oniha for the wonderful thing you did in my relationship. I am so happy now. With your help we were both able to see and speak the truth to each other. I never thought a spell could help a couple before. I am very pleased to contact you and initiate all this to happen. Anyone who has a relationship problem can contact Dr Oniha via email.
onihaspelltemple@gmail.com.
Call/Whatsapp +16692213962
I have my husband back in my life with the help of Dr Oniha. He said sorry in 24hours after the spell was cast. He said he realized that he never really wanted to break up, he could not handle emotional baggage I was carrying around all the time. He said that he thought he was the negative influence on my life and thought it best to leave. He said it was hard that I kept talking about the past all the time. We have both forgiven each other. I have money in my pocket that is my own at last. (My compensation cheque came through. I was told it was months away. I am living proof of what Dr Oniha can do. I thank you so much Dr Oniha for the wonderful thing you did in my relationship. I am so happy now. With your help we were both able to see and speak the truth to each other. I never thought a spell could help a couple before I am very pleased contacting you and initiating all this to happen. Anyone who has a relationship problem can contact Dr Oniha via
EMAIL:onihaspelltemple@gmail.com
Call/Whatsapp number: +16692213962
+1 520 552 9379 WhaTsaP
I was particularly pleased to find that there were no hidden charges or unexpected fees, which often accompany such services. The entire £205,000 was recovered without any hassle, which was a tremendous relief after the prolonged period of uncertainty. Cyber Tech Wizard exceeded my expectations in terms of both speed and effectiveness. Their expertise and dedication turned what seemed like an impossible situation into a successful recovery. They provided a lifeline when I thought all hope was lost, and I am immensely grateful for their assistance. Their intervention made a significant difference, restoring not only my funds but also my peace of mind.If anyone finds themselves in a similar situation with funds that are stuck or lost, I highly recommend reaching out to Cyber Tech Wizard (cybertech wizard@cyber services DOT com). Their commitment to their clients and their efficient handling of the recovery process can turn a difficult and stressful situation into a positive outcome. They have proven to be a reliable and effective resource in times of financial distress.