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Original poster

I know I’m being thick but can you reassure me? (State pension)

28 replies

oakkiln · 23/03/2025 13:12

A year ago I followed The MSE advice and got my husband to check his state pension for missing years.

The letter we got back from DWP said his forecast was £203.85 a week which I believe was the full state pension at the time of the letter.

Is this “this is your state pension if you don’t contribute anything else” or “this is your state pension if you keep paying NI until you retire in 8 years”

Sorry for the daft question!

OP posts:
Superscientist · 24/03/2025 12:15

oakkiln · 23/03/2025 19:16

Thank you everyone. He doesn’t have a passport or driving licence as ID to join the Government Gateway so had to phone and request his pension forecast by letter.

He has just turned 60 and has 20 year's of NI from child benefit and then carers allowance. He worked full time for 12 years before that (that’s when I met him - he worked before then too but it was VERY patchy and mostly YTS schemes). Maybe with the odd gap of a month or two between jobs but nothing significant.

I suppose I was worried the child benefit or carers allowance hadn’t been taken into account and given him NI years but I suppose looking at the forecast it has.

Something to check is the child benefit, currently at least, you only get the NI contributions until the child is 12.

Original poster
oakkiln · 24/03/2025 12:28

Thank you everyone for your kind advice. And especially to the posters who say there is a way to get a Government Gateway account even without official ID. I’ll get back on the website and if that fails, like PP suggested, I’ll ask them to help set it up over the phone.

OP posts:
rainbowunicorn · 24/03/2025 12:34

oakkiln · 24/03/2025 12:28

Thank you everyone for your kind advice. And especially to the posters who say there is a way to get a Government Gateway account even without official ID. I’ll get back on the website and if that fails, like PP suggested, I’ll ask them to help set it up over the phone.

Yes, that's definitely the best thing to do. You will get the forecast but also underneath it will also say how many more years he needs to pay or be credited via qualifying benefits or it will say that he can't increase the forecast anymore. If it does say he can't increase any more then that will be the maximum he will get. This figure will increase each year as state pension increases.
Money Saving Expert is a great resource with very knowledgeable people who will give you good information also.

You've had about 25 replies on this thread and at least 3 are completely wrong information.

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