NI and child benefit

[14yrsatfirstschool]

I'm a stay at home mum of 3, my family will be effected by the cut in child benefit, my husband is just over the threshold,could someone please tell me if the cutting of child benefit will effect my pension in the future, I was under the impression that as long as child benefit was being claimed my NI contributions was protected.

What they are saying they are going to let you do is to still claim it, but get it back of your husband in tax. So, as long as they do it that way, I think the NI home responsibility protection element will still be there and you'll still be covered.

But tbh they haven't announced anything really about that - but I assume they will do once they work out the implications, as they don't want to do people out of pensions.

But if its back in husband's tax what happens if you split up later? I hope that doesn't happen but do need to know.

No - if you are named on the child benefit, and not earning money yourself, then you get the NI credits - in your name, for your pension. What they are suggesting is that they will still give you the child benefit money each month, and the NI credit. But they will increase your husband's tax so that he pays the same amount extra in tax as you are getting on the child benefit.

So, as a couple you have lost the amount of money that you currently get in child benefit. But you as a SAHM will still have the NI credits given you, because they know you are a SAHM from the fact that you are named on the child benefit and they can see that you aren't earning (as an individual).

Make any sense?

Thank you, can't believe the media haven't highlighted this area yet.

It's weird - its been mentioned a few times on here, but I guess MN mums are maybe quick to see that connection, but politicians don't have that issue at the front of their mind, just the immediate money they can save!