Monday, June 27, 2022

A 66-year-old woman said she was not eligible for a pension because of an NI slip gap

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People approaching retirement age are being urged to check if they are entitled to a state pension after a 66-year-old woman was told she had “no entitlements”.

The mother-of-five reached retirement age, only to receive a letter telling her she wasn’t entitled to the benefit.

Her son took to Reddit to explain that his mother missed out on National Insurance (NI) loans while raising their five children.

People in the UK must have at least 10 qualifying years on their NI record to receive part of the state pension and 35 years to claim the full amount.

That To express reported that the man commenting on Reddit stated his father had the child support in his name.

Seeking advice on the r/UKpersonalfinance forum, he wrote: ‘My mother has recently reached statutory retirement age. However, she received a letter saying she was not entitled to it.

“What apparently happened is that she raised five children, but the child support for all of us was in my father’s name. So she didn’t get NI recognition for raising five children.

“My father has been employed and self-employed all his life and has paid all his NI dues – from employment and self-employment. His NI record shows he has paid all relevant NI and he has the NI stamps from the post office to prove this.”

Child support counts against a person’s NI record, so stay-at-home parents can claim credits while they raise their children.

The man said his mother had accumulated 21 years of NI credits for her five children, which would have qualified her for at least part of a state pension.

However, his father could only transfer nine years’ worth of NI credits to his mother.

He said his parents were immigrants who had “no idea” of the consequences of child support being referred to his father’s name and had not been made aware of the potential issue by the Social Welfare Board.

This was announced by independent financial advisor Rebecca Robertson To express “so many people” have found themselves in similar situations reaching retirement age.

She suggested people could get a state pension forecast and also explained that Brits could opt for voluntary social insurance to fill the gaps in their balance sheets.

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