Menopause Matters Forum
General Discussion => This 'n' That => Topic started by: Lanzalover on February 06, 2019, 09:45:38 AM
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The earlier thread about State pensions got me thinking ( I know very dangerous)
8 years ago DH and I both got a state pension forecast which showed how much our current pension was and how much they expected it to be at normal retirement age.
DH showed he would get the full state pension plus a state second pension of £50 pw however yesterday when he checked on line it's only showing the basic pension the other has just disappeared I knew they had stopped the state second pension in favour of a standard amount for everyone but surely they can't take away something you have paid for !!!!
We have both completed the forms to get a paper copy of the current forecast which I'm just off to post
But if anyone knows anything about this could you advise please.
Many thanks
Lanzalover x
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I will ask my husband. He opted out of part of his pension into surps, or something. He will also get a reduced amount.
Most of this is beyond me ::)
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Hi ladies,
www.pensionsadvisoryservice.org.uk
Is a very helpful free service.
Lots of info you can read through, plus a helpline, etc.
Hope it helps xx
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Thanks Agatha,
Re my post, it is SIPS not SURPS, or SERPS apparently.
https://www.gov.uk/additional-state-pension
This is the reliant web page.
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I prefer surps!
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;D I know. Truth is I haven't got a clue what I'm talking about.
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Thanks for the links Shadyglade and Agatha I've had a quick look but can't seem to find the answer to my question. But that's probably me I find it all rather confusing. Perhaps I need surp of something ;D
The forms are now in the post so I'll just wait and see what figures they come up with.
Still annoyed about the changes made to the age you qualify for your pension ( six years in my case and a year in DH case) so we won't be happy if we've also lost that.
Lanzalover x
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;D I know. Truth is I haven't got a clue what I'm talking about.
Welcome to my world! I get my pension in September. I don't know how much as I can't bear to look I'm one of the ‘54 birthdays, so if I was 3 months older, I would have got my pension earlier.
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The idea behind removing SERPS was to equalise the state pension. Under SERPS the additional pension paid was based on NI contributions so benefitted higher earners.
I've worked 40 years full time and I'm not pleased that I have to wait until 66 to get my pension instead of getting it at 60.
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Me too katclaws.
That why I am going to to make sure I get the full wack at 66.
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I'm the same shadyglade.....no clue whatsoever.... :rofl:
I leave it to OH to sort out......😉😐
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It takes just seconds to check on the Govt website.
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That's where he checked PF and all it shows is the full current pension of £164 pw . The state second pension which is shown on the two previous paper copies isn't there !!!
I'll update when we receive the paper copy.
Lanzalover x
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The 2 pensions were all brought into one in the state pension changes a couple of years ago. X
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Yes Dotty.
That's what my OH said.
So what you see is what you get....
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I've got a few more years to wait Jillydoll .......
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Me too Dotty.....
I'm only 21.....😄
In my head anyway...😉
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I had a Very Nice Letter in November asking me whether I would like to defer my Pension payments or apply. Well as the Government deferred my payments on my behalf :bang: 3 years ago I have to wait until March anyway - don't know what I will get each month so it will be a suprise.
Now, what to spend it on. Jewellery, bubble bath, new towels, bird food 8) - watch this space?
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I have three months to go until I get mine which works out not much less than I take home now but I still can't decide on whether to retire or not! I'm claiming the pension anyway.
Taz x
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I claim everything I am entitled to ;-) 'cos the Government would much prefer that we die prior to getting it as it means more in their kitty :-X
My NHS Pension is £1,200 per year after 8 years minus 1 months work >:( ::). That's two deliveries of heating oil then so I'm doing my bit :D
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Pleased to hear you're going to claim your pension Taz 2 unless you're mega wealthy why would anyone defer claiming ? Especially women who had thought they would qualify at 60 until they moved the goal post.
I will definitely be claiming mine if I get to 66 :o
Lanzalover x
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You will get there - ;)
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Thank you CLKD have you been looking in your crysta ball again ;D
Lanzalover x
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I know a lot of women my age who have died before they even reach pension age so I would never recommend deferring. get it while you can is my motto.
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Why? When a person pays into both then it is OUR money :poke2: Mum certainly doesn't get less: a teacher's Pension, part of Dad's teacher's Pension plus his Government Pension after he died.
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I've got an occupational pension but will still receive £164 a week which I think is the full amount? I'm not sure how you're supposed to pay rent of £1000 a month out of that if you're not lucky enough to own your own home mortgage-free?
Taz x
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Private pensions do not reduce your state pension. They are separate.
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Taz, I think when you reach state pension age you can claim benefits towards rent etc. if your income is below a certain level. This is another reason why the increase in state pension age causes problems for people who have to wait several extra years to get their pension. It is also another reason why state pension age is increasing so that benefit payments can be reduced.