Basic state pension

Hello
I can pay for some missing contributions which i DO not the money to do this

I can have my ex husbands contributions added to this up to date of divorce.

If i remarry was told i cannot use his contributions even though they were accured at the time which we were married .
And I will just be able to use just my own
contributions and x years of my new marriage my ex husbands contributions will no longer count is this correct.

I always thought that even if you were to remarry you could use these contributions up till date of divorce as they were accured during a time which you may not have been able to build up enough for your self because you were not working or looking after children .

Should this be brought upduring AR proceedings as i think this is important because as a woman staying at home bring up a family and the chosen life style choices you make as a married couple will affect the future as a divorcee.

This is something that i never really thought about before but its does seems to affect one more than the other even though the decision was made by both people..

Some times as a couple it is decided that one may not work for many reasons not just because you have children and sometimes one will just work part time .

And sometimes because of the main earners job it may not be possible to work continually if you are moving around because of their job

I Am not sure if i have explained this too well.

But I persume the main earner will be able to quilifiy for a full state pension and divorce and even remarriage will not affect them too much providing they have been employed full time their whole life including the time they were married dispite any choices they made as a couple ie one will work one will not ect ect ..

It was a decision that was made but it was a desion made by both parties normally but after divorce where does that leave the person that stayed at home for x x amount of years if they then remarry and cannot use the ex Husband/wifes contributions that were built up during the First marriage does it have a huge effect on the state pension if the first marriage was long or even if they dont remarry how does this affect the state pension ???.


Dido x

Hi,

This should answer your first question, taken from the pension advisory service website. Any queries to the DWP which they don't understand (which in my experience is plenty) they push out to this service:

www.pensionsadvisoryservice.org.uk/pension_rights/divorce

I am divorced, but can I still claim some extra state pension on my ex-husband's NI contributions when I get to State Pension Age?

Yes. So long as you do not remarry and you will be getting less than the full amount of basic state pension, you can substitute the record of your former spouse for the period up to when your marriage ended, or the end of the tax year before you reached state pension age, whichever comes first. Note that this type of claim only applies to the Basic State Pension.

I would definitely bring this up at AR stage. The basic state pensions should always be considered along with any other marital assets.

My advice would be to plan and negotiate on the here and now and let the future take care of itself.

Regards

Phil
The Divorce IFA

Although I am a Resolution Accredited Independent Financial Adviser my comments are given here as general guidance ­base­d on the (often limited) information available and does not constitute financial advice. They should not be seen as a substitute for detailed financial and legal advice.