Finances and extra costs
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help towards my pension?

Rainbow62Rainbow62 Member Posts: 2 Listener
I’m 56 and cannot work due to Fibromyalgia and Polymyalgia.  I get PIP and do not get any benefits because my family income is too high which means my NI contribution doesn’t get paid.  This means I get no help toward my pension.  Is there anything I can do about this?


  • thespicemanthespiceman Member Posts: 6,408 Disability Gamechanger

    Hello @Rainbow62  Pleased to meet you welcome.

    Thank you for joining and sharing.

    I am one of the team of community champions. We guide, advise and help new members who join the forum.

    Thank you for your question. I do not know. Understand the problems and issues. There will be members of our team or a member of our community.

    Be able. advise you.

    I would suggest speak to CAB.  They have knowledge, experience of any benefit and pension.

    Hope that helps.

    Please take care.


    Community Champion
    SCOPE Volunteer Award Engaging Communities 2019
    Mental Health advice, guidance and information to all members
    Nutrition, Diet, Wellbeing, Addiction.
  • atlas46atlas46 Member Posts: 827 Pioneering
    edited April 2019
    Hi @Rainbow62

    A very warm welcome.

    I am almost certain, though ESA is not in pay, you are still entitled to NI credit.

    Take a close look at the letter from the DWP about your ESA claim.

    I am tagging your post for @poppy123456, she is more expert than me.

    Hope this helps.
  • atlas46atlas46 Member Posts: 827 Pioneering
    edited April 2019
    Hi @Rainbow62

    Just another suggestion for you to consider.

    There was big changes to the State Pension In 2016, a reduction in qualifying years and increase in basic pension.

    To find out how these changes affect you, you can call the Future Pension Centre on 0800 731 0175.

    You ask for a pension forecast and it will be posted to your home.

    Let us know how you get on.

    My wife did this last year and she was pleasantly surprised.
  • Rainbow62Rainbow62 Member Posts: 2 Listener
    i have now found out that I qualify for a full state pension so that takes the worry off.  Thank you all so much for your help and I will be following up your suggestions 
  • poppy123456poppy123456 Member Posts: 22,218 Disability Gamechanger
    edited May 2019

    I'm sorry, i didn't see this until now. Yes indeed you now only need 35 qualifying years of NI contributions for state pension. I'm glad you're all sorted Rainbow62. :)
    Proud winner of the 2019 empowering others award. This award was given for supporting disabled people and their families for the benefit advice I have given to members here on the community.
  • Adrian_ScopeAdrian_Scope Testing team Posts: 7,970

    Scope community team

    Glad to hear your pension is sorted @Rainbow62! :)
    Senior Community Partner
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