SAHM - pension question

[SamoyedFan123]

Hi all
I'm sorry if this is a stupid question but I'm a bit clueless when it comes to tax and pensions and I don't really understand what the gov.uk website is telling me in this. So I've worked and paid tax/NI since I was 19. Never been unemployed or missed payments in this time. Last year I gave up work aged 41 to be a SAHM to my twins. Was claiming child benefit allowance as my husband was just before the £50k threshold for this. Late last year his salary increased to £70k which means that we either have to stop claiming the child benefit, or continue and then pay it back in full via his tax return every year. I understand that the benefit to doing this is that I will continue to accrue NI stamps towards my state pension. My question is have I worked enough years to claim a full pension? The gov.uk website says at least 10 years for some pension (which I have obviously done), and 35 years if your NI record started after 2016 (obviously given my age my record started before this). Has anyone been in this situation and can explain how this works please?
Thank you.

If enough government bots say over social media that there won't be a state pension, it will become a Daily Fail self-fulfilling prophecy.

Expect and demand a state pension for the next generation. They are paying 20%VAT on a all purchases, 20-40% tax income, tax on their savings, countil tax for local services, approx 13% National Insurance, and in their lifetime they are likely to pay inheritance tax, airport tax, stamp duty on properties... the list is endless.
If you work and pay into a state system for 35 years of your life, a state pension isn't charity.
Demand it with your vote.

@BobbingPuffins

The reason it doesn’t say everyone has to pay in 35 years for a full pension is that the system changed in 2016 and everyone’s contributions had to be recalculated.

There used to be two levels of NI contributions and two levels of pension you could get, so if you paid less into the system you got less out. It was simplified in 2016 and a full pension is now the same for everyone.

The state pension forecast will tell you how many more years you have to contribute to get the full pension. If you were paying the lower contributions prior to 2016 you might end up having to pay for more than 35 years to get the full pension, but the good news is that the new full pension is considerably more than you would have got from the old lower level of contributions.

That's not entirely true the new state pension is based on only 35 years of contributions/ credits if like me someone had paid in or more than 35 years by 6th April 2016 they get a protected payment which will take their pension above the new state pension any however NI contributions/credits accrued after 6th April 2016 will not go towards their pension my own pension which I will get in March will be more than the new state pension even though I opted out for a few years one reason was that in the 70s I paid an enhanced rate which you can't do any more. Its also not the case that the old pension paid out less than the new one, my DH gets his pension under the old rules he gets £224 a week due to again enhanced payments in the 70s and the fact that he paid on for 45 years so he gets more than me.

Thanks for flagging up this thread. I managed to get into my NI contribution record and although I'm not getting CB I am still getting my NI contributions made so am on track for the full pension (on 28 years currently and another 17 possible years to get the other 7).
I agree with what a previous poster said. It would be an outrage if these pensions were scrapped or means tested as for one, having paid 40% tax for quite a while and handed over a lot of inheritance tax and stamp duty fees, I feel the government pension is a right.

OP - I agree it should be available. But it’s worth about £8k a year. Can you live off it?