A 66-year-old woman said she didn’t qualify for a pension because of her NI slipping gap.
A 66-year-old woman said she didn’t qualify for a pension because of her NI slipping gap.

A 66-year-old woman said she didn’t qualify for a pension because of her NI slipping gap.

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People approaching retirement age are urged to check whether they are entitled to a state pension after telling a 66-year-old woman she “has no dues”.

The mother of five has reached retirement age, only to receive a letter telling her that she is not entitled to the benefits.

Her son took to Reddit to explain that his mother did not take out National Insurance (NI) loans while raising her five children.

People in the UK must have had at least 10 qualifying years on their NI record to receive part of a state pension and 35 years to claim the full amount.

who – which To express I reported that the guy commenting on Reddit mentioned that his dad had child support in his name.

Seeking advice on the r/UKpersonalfinance forum, he wrote: “My mother has recently reached the legal retirement age. However, she received a letter saying she was not entitled to it.

“What apparently happened was that she raised five children, but the child support for all of us was in my father’s name. So she did not get recognition from NI for raising five children.

“My father has been self-employed and self-employed all his life and has paid all his dues in NI – both work and self-employment. His NI record shows that he paid all relevant NI and has NI stamps from the post office to prove it.”

Child support is charged against a person’s NI record, so stay-at-home parents can claim credits while raising their children.

The man said his mother collected 21 years of NI credits for her five children, which would have qualified her for at least a portion of the state pension.

However, his father could only transfer nine years of NI’s balances to his mother.

He said his parents were immigrants who had “no idea” of the consequences of referring child support to his father’s name and had not been notified of the potential problem by the Welfare Board.

This was announced by independent financial advisor Rebecca Robertson To express “A lot of people” find themselves in similar situations as they reach retirement age.

She suggested that people could have a state pension outlook, and also made it clear that Britons could opt for voluntary social insurance to fill in the gaps in their balance sheets.

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