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HP Mum

Basic state pension - help?

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Remind us if the friend was executor for his wife please?

 

HB


Illegitimi non carborundum

 

 

 

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On 14/01/2020 at 15:04, HP Mum said:

Asking for a friend:

Born in '48; doesn't have a UK passport, but educated here and owns property here, resident for most of adult life - although each year split between UK/ abroad.

Ran own business  about 40y ago but is vague on if ever was given a NI number ... 🤔

Certainly doesn't have it to hand.

Also can't remember anything about tax returns ??

Had some income generated overseas at other residence.  Was wealthy, kind of a person of independent means.   But not now.

How do I assist on ascertaining if eligible for basic state pension?

Would have been able to claim since 2013, but hasn't.

I have access to some boxes of private papers - where might I find the NI# or something else that may help locate it?

Friend currently abroad.

 

 

 

I'm just putting this here to remind us where we started at.

 

I'm having trouble understanding how he could live in the UK and have no relevant paperwork. If he had a company surely he would have paid tax and there would be records?

 

HB


Illegitimi non carborundum

 

 

 

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Your friend does seem rather vague about all his business and tax affairs. 

 

I still think the only practical way forward is to, first, use the form CA 5403 I linked in post#6 to find out if he has a NI number. Without knowing that you are just going round in circles.

 

If doesn't have one then he cannot get a state pension in his own right because he hasn't made any NI contributions - NI contributions cannot be paid without an NI number. If he does have one he can use one of the routes already suggested to find out his contribution record or contact the Pensions Centre directly to find out what his entitlement is. Find his Pensions Centre here: https://www.gov.uk/find-pension-centre

 

I found this article about whether a man can get state pension based on his wife's contribution record. Possibly seems to be the answer, but I don't know if your friend would meet the criteria.

 

https://www.thisismoney.co.uk/money/pensions/article-7555243/Can-husband-claim-state-pension-wifes-NI-record.html

 

 

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He has paperwork in the UK but his place is such a mess I don't know where to start looking.  He's away now.  And i think a bit confused.

The company he ran was apparently about 40y ago and I haven't found any paperwork relating to it.  Not sure if proper company or sole trader of if he ever made profit/ paid tax?  I have asked, but so far have not got any answers that will help me (in the Uk) help him.   From what I gather now, his wife earned an income and had started claiming pension - and it seems easier to claim as widowed spouse rather than via his own records - which I think potentially dont exist.

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Thanks Ethel.

Yes he does.  Maybe age has got the better of him.  That's why I am trying to help.

Thanks for the article.  Will read now.

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The thing is about asking for his wife's details is that whoever asks, as I understand it, will have to be entitled to ask. That's why I asked if he was executor.

 

How long ago did the lady die?


Illegitimi non carborundum

 

 

 

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Just had a read of the link article.

The wife was born in '38. 

The article states that "the opportunity for men to claim on the wife's NI contributions under 'old' basic state pension system was only introduced at start of last decade [in 00s] ...  But only covers women born between certain dates".   After 5 April 1950 is the eligible date.   So in friend's case his wife was born too early for him to claim - if she was still alive? 

 

The article continues:

"...in the unfortunate event that you were to become a widower, you would be able to inherit part of any earnings-related state pension that your wife was receiving"

 

Do I understand this correctly:

because he was widowed in 07 (9 years) after his wife started claiming her state pension (in 98) that he can 'inherit' it? 

He wouldn't have been able to make a claim if she was still alive?  But can now she has passed?

 

The article says: "If married woman receiving SERPS  pension dies before her husband, he can inherit 50-100%"

 

I checked out the Gov link.

It says:  

Wife was automatically eligible for an additional state pension by her age (born before 1953) - unless she opted out - and due to reaching pension age before April 2016.

 

She would have got the 'Additional State Pension' if she contributed to the State Earnings-Related Pension Scheme if employed from 1978-2002.    She was.

 

The link re 'inheriting pension' shows:

woman born before 5 October 1942 - husband could inherit 100%

 

This has been very helpful info.. Thanks for the article link

 

 

 

 

Edited by HP Mum

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I passed on the article and link to friend.

Between us we will now try get the required info to the correct location so that they (whoever in the Govt) can sort out what he is owed.

I will keep you updated.  This thread may help others in similar situations.

Ethel Street - very helpful research.  Thank you.  Seems like you came up trumps!

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Update

Have received notes booklet and claim forms from dwp  for friend to fill in. 

Got certified copy of marriage certificate.

 

One query about tax?

Friend was eligible for his pension in 13. Became widower in 07.  If eligible for many years deferred pension payments - would tax be payable?  Is it that if takes all the deferred years in one off lump sum, that tax would be paid over the annual personal allowance?

Edited by HP Mum

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