AIBU to not know about state pension?

[1FineDane]

Say you moved to the UK aged 50 and you hit retirement age. Are you then entitled to full state pension or is it proportional to what you've paid into the pot/pro rata per year spent paying in?

Isn't it based on National Insurance contributions? I'm not 100% sure but I think that's the case.

You need close to 40 years of qualifying years of contributions via National Insurance.

www.gov.uk/check-state-pension

Moved
From where? Are you paying NI? What's your status?

You can send for a pension forecast to be posted out or do it online. See government website

NI contributions, so you can sign in to the government portal and check how much you’d get. I’ve got one more year to go and I’ll have a full pension, even if I keep working another decade. You need 35 years I think.

How much is the pension?

Apologies it’s 30 qualifying years.

It depends, you need a minimum of 10 years (I think) of full NI contributions for the minimum pension and 35 for max. There is a system for EU citizens where you put a claim in one country and it processes all the social schemes you've paid into across member states and calculates how much you're entitled to from each state into one payment. If you leave the EU in retirement, ie to Canada, you get less as an expat then if you stayed.

www.gov.uk/state-pension

Move from where? Have you worked in the U.K. before?

You need 35 years of national insurance contributions for a full state pension. Less than that and you get less money. You can check how much you'll be entitled to (if anything) on the government website.

Well the UK ain't gonna be the EU anymore so that's gone too.

Where is this elusory government website you all keep referring to?

Full pension after 35 years of full contributions is £8991.93.

NoSquirrelsposted a link.

It’s 35 qualifying years for the full pension and you have to live here for at least 10 years to get anything. Google it!

So, if you were 50 when you arrived in the UK, you will need to work until you are 85 to get a full pension. To use the website, you’ll need your NI number, passport or your latest P60 to register.

Not just 10 years, 10 years of NI contributions or NI credit

And at the rate negotiating the exit process is going I might retire before we leave, I'm only 24 😂

If you work part time-eg raising children-will your pension be massively reduced?

I’m sure my parents get the same state pension amount even though my dad worked full time for 40 years and my mum just did bits and pieces?

As long as you're earning enough to pay national insurance you will get a qualifying year, if you don't and gave certain reasons you get an NI credit for that year instead. If you don't quite earn enough you can voluntarily pay contributions to get a qualifying year. For example I contributed £60 to top up one year where I was short because I went from full time (low pay) work to uni. My mum was a sahp so dad paid voluntary contributions to top up her record so she has full 35 years like him.

I thought if you were registered for child benefit (even if you don’t claim as partner is a high earner) you got NI credits so no need for partner to be topping up payments??

It’s easy to check, have just tonight logged on and set up account, you need some identification such as P60, passport, I was worried about having opted out of serps many moons ago, as many people did, pity we can’t have some sort of PPI compensation for being misled on this! anyway slightly reduced pension £8 per week if I’m reading it correctly so not overly concerned and my mind has been put at rest having checked it.

Modgepodge is right, if you register for child benefit then you get qualifying years until your child is 12. In the past it was 18 I think which is how my mum got her qualifying years.

Where is this elusory government website you all keep referring to?

I posted you links?

But otherwise, Google is your friend here - I think YABVU not to “know”
about the state pension when the info is so easy to find, to be honest.

www.gov.uk/check-state-pension

Using your National Insurance number it will tell you exactly how much you have paid into the system per year
It will tell you when you can claim your state pension & roughly how much you will receive
If you are unemployed, disabled or claim certain benefits like child benefit, your NI should be paid into the system

You probably have to get a government gateway login too

Mine shows me exactly how much I've paid in

Note
If you work more than 30 years, you will continue to pay NI, this goes into the pot for everyone

If you work for an employer, you can join their pension scheme. Most employers if you put X percent in. Your employer should add y percent for free !