State Retirement Pension
What is State Retirement Pension?
The State Pension is a "contribution based" benefit.
The State Pension is a regular payment people can claim when they get to State Pension age.
Most people build up some State Pension, but the amount they get varies. As soon as you receive your State Retirement Pension, it gives you a regular income for the rest of your life.
Find out now if you are claiming all the benefits you are entitled to, for FREE. Just click the link below to get started.
Who is eligible for State Retirement Pension?
Those who have reached "State Pension age" are eligible.
For women: the "State Pension age" is presently between 60 years and 3 months and 60 years and 4 months. The age limit is increasing to bring it in line with the male age.
For men; the "State Pension age" is currently 65.
In all cases, you have to make a claim. However, you do not need to claim immediately. If you wait, you may get extra pension or a one-off payment instead.
Changes in the system mean that certain people are eligible for the first time. Please refer to the case study and "why does state retirement pension go unclaimed" sections for further information.
Find out now if you are claiming all the benefits you are entitled to, for FREE. Just click the link below to get started.
How much State Retirement Pension can I get?
For someone with the full number of qualifying years (30 years of National Insurance contributions), it is payable at a flat weekly rate of £97.65 per weeksingle or £156.15 for couples.
State Retirement Pension reduces when a person has fewer qualifying years.
An "Age Addition" was introduced in 1971, with 25p per week added to the State Pension for people aged 80 or over. It remains at this level.
To understand your full eligibility you need independent advice. For this, you need a dedicated professional to assess your complete circumstances confidentially.
Find out now if you are claiming all the benefits you are entitled to, for FREE. Just click the link below to get started.
Case study
Ella reached State Pension age on 25 July 2008. She was not entitled to State Retirement Pension as she had not paid any National Insurance contributions.
Her husband, Lucas, is entitled to a full basic State Pension. He reached State Pension age on 15 August 2009 but chose not to claim his State Pension for at least a year.
Up to 5 April 2010, Ella could not get any State Pension. She needed Lucas to claim his State Pension before she could get a basic State Pension based on his National Insurance record.
From 6 April 2010, Ella can get a basic State Pension based on Lucas’ National Insurance record, even though he is still not claiming his own State Pension. This could be worth up to 60 per cent of the full amount.
Luckily for Ella, Lucas has a record of paying full National Insurance contributions. On this basis, Ella is able to receive a weekly State Pension of £58.50.
This case study is fictitious, but helps to illustrate just some of the many ways in which Housing Benefit Helpline can help change peoples lives for the better.
Find out now if you are claiming all the benefits you are entitled to, for FREE. Just click the link below to get started.
Why does State Retirement Pension go unclaimed?
Many people who could claim State Retirement Pension do not do so. If they do claim, they might not be receiving all that they are entitled to:
- The pension is normally based on a person's own National Insurance contributions. However, new rules mean that widows, widowers, surviving civil partners, divorced people and those whose civil partnership was dissolved might be able to use the contribution record of their former spouse/civil partner
- For a married woman with no basic pension (or a pension worth less than £58.50 per week), it is possible to claim up to this amount based on your husband's contribution record
- Married men and civil partners may also be able to claim based on the wife or civil partner's contributions
- For widows, widowers and surviving civil partners, you could receive increased amounts of pension
- Claim forms can be lengthy and complicated. This can lead to a form being completed incorrectly or, in the worst case, not at all
- A health condition can make it impractical and/or uncomfortable. It can even stop a person from making a claim for State Retirement Pension. You might not be in the best frame of mind to be completing a claim form adequately
- The sense of loss following bereavement can be overwhelming. It can make practical tasks (such as form filling) overwhelming. Particularly when the deceased person used to complete all the forms and paperwork
- Changes in the system, as identified in Ella's case study (see above).
Find out now if you are claiming all the benefits you are entitled to, for FREE. Just click the link below to get started.
What if I have been refused State Retirement Pension?
Many times, the refusal decision is based on an incorrect presentation of certain information by the claimant or by an incorrect assessment from the particular benefits office/r in question.
Full claim acceptance not only over-turns a previous refusal, but it also means you will probably be eligible for back-payments from the point of an initial claim.
This alone could often lead to thousands of pounds in back-payments due to you.
Find out now if you are claiming all the benefits you are entitled to, for FREE. Just click the link below to get started.
How can I find out if I am eligible for State Retirement Pension or if my refusal can be overturned?
This part is very simple!
Find out now if you are claiming all the benefits you are entitled to, for FREE. Just click the link below to get started.
What is the difference between using Housing Benefit Helpline or asking the Benefit office directly?
- Which gives a personalised benefits health check
- Up to 40% of rejected claims by the benefit office are found to be incorrect
- Similar to private health care, you will be given personalised time and attention, which is sometimes lacking in government offices
- The FREE Review can be done from the comfort of your own home, and in your own time, and at your own convenience
- We look to advise all applicants in maximising their entitled benefits from several benefit departments
- Professional, Impartial and non biased consultants, will show all available benefits you may be entitled to, and if required help you to claim them
- Housing Benefit Helpline have an Excellent track record for maximising claims, over turning rejected claims and securing back payments.
Find out now if you are claiming all the benefits you are entitled to, for FREE. Just click the link below to get started.
Are you getting all the benefits you are entitled to?
Housing Benefit Helpline has a number of consultants who many have over twenty years experience in administering a wide range of benefits and allowances.
We can help secure rightful entitlement to State Retirement Pension as well as other benefits and allowances.
This puts Housing Benefit Helpline in a very strong position with which to help potential claimants just like you.
To see what some of our existing clients feel about our service, read our testimonials.
We can undertake a full assessment of your circumstances for FREE and you can rest assured that we are working independently just for you - and nobody else.
Find out now if you are claiming all the benefits you are entitled to, for FREE. Just click the link below to get started.
It only takes a couple of minutes to complete our review form. In so doing, it is essential that the information you provide is as accurate as possible to allow us to gather the full extent of State Retirement Pension and any other benefits and allowances that may be available to you.
|
| |
Home Page
Allowance
