25 Jun 2017

A question about : Small Stamp & Even Smaller State Pension

Just wondered if anyone can point me in the right direction go get more info with regards the national insurance small stamp (married women) and the pittance of state pension.

My mum worked all her life, was advised to change to the small stamp and now finds her state pension entitlement is a pittance.

I'm sure I saw somewhere that women can get a higher pension if they don't have full contributions based on their husbands contributions - but would appreicate more info.

Best answers:

  • A few links to try
    https://www.entitledto.co.uk/
    https://www.pensionguide.gov.uk/
    https://www.taxcredits.inlandrevenue...nitAdvice.aspx
    https://www.thepensionservice.gov.uk/...troduction.asp
    Hope you find some help there
    Cheers
  • Thanks found some useful stuff in the last link.
  • My mum worked all her life, was advised to change to the small stamp and now finds her state pension entitlement is a pittance.
    Hi
    This was one of the most iniquitous of con tricks perpetrated on women in the last century.
    When the Welfare State was first set up in the 1940s it was assumed that all married women were financially supported by their husbands. If they worked at all it wasn't taken seriously, it was assumed to be pocket-money, or as they called it in those days, 'pin money' (whatever that meant). Even those women busily occupied on wartime work or Forces service were disregarded - they would eventually give up their jobs to the returning men. But it didn't work out like that. Women continued to work, their jobs still weren't taken seriously, they had to fight for equal pay and equal opportunities.
    Like your Mum, I was 'advised' to pay only the married women's contribution, but I didn't like the idea. The thinking was that you would get a pension via your husband's contributions, so just as he supported you through your working life, he continued to into retirement. This idea still continues every time the Chancellor talks about 'pensioner couples' and it's assumed that they need less of an increase than 2 people independently.
    I've always paid full contributions and I get SRP in my own right. But I know many women in your Mum's position who won't get any SRP until their husband retires, and then as a proportion of his. Many women I worked with told me I was an idiot, and also an idiot to work full-time and pay into the NHS pension scheme - much better to have the money in your hand now. But many of those women are now facing decades of poverty - who was the idiot?
    Women were supposed to have a free choice which type of contribution to pay, but many did not fully understand the implications (like no sickness or unemployment benefit as well as no pension) or they took the advice they were given, like your Mum.
    Grrrrr.....
    Margaret
  • My state pesnsion is pitiful, I am seperated from my husband but not divorced could i possibly get a better rate taking into account his contributions or is it now too late.
  • Might be worth enquiring of the Pension Service!
    https://www.thepensionservice.gov.uk/...troduction.asp
    Margaret
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