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My dad doesn’t qualify for new state pension
Cecilia0923
Community member Posts: 13 Listener
Hi ya,
My dad recently received a letter from DWP re state pension and it says he does not have enough qualifying years to get pension. He lives with my mum which we know that she won’t qualify for pension too as she won’t have enough NI contributions too. Is there any other benefit/help we can apply for ? Because, now my parent do not have income and they will struggle.
Thanks I’m advance
Comments
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Hi and welcome to the community
Sorry I don't know anything about pensions but other members will be able to help -
Thank you @janer1967
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If your dad does not qualify for NSP he must have less than 10 years of NI contributions which means he has not been working, been in very low paid employment or has not been in UK for 10 years.
What current income do they have?
I infer that your mother is not yet pension age. They are therefore what is known as a Mixed Age Couple.
They may qualify for Universal Credit and Council tax Reduction depending on their joint finances.
When mum reaches pension age they may be eligible for Pension Credit and Housing Benefit (if renting) and Council Tax Reduction.
Depending on health conditions there may also be relevant disability benefits (PIP if below pension age, Attendance Allowance if over).
Try a benefits calculator Benefits calculators - GOV.UK (www.gov.uk)
Information I post is for England unless otherwise stated. Rules may be different in other parts of UK. -
Hi @calcotti thanks for your response. My mum is over pension age already however she doesn’t have enough qualifying years in UK too. She’s been only working as my dad’s carer for several years. My mum get carer allowance and my dad has PIP, they have recently gave back their housing benefit based on their current income which is very low. But it’s not enough to pay the rent and live with it.
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I read "my mum which we know that she won’t qualify for pension too as she won’t have enough NI contributions too" as being a future event which is why I assumed mum was under pension age (66).
If she is already pension age and your dad has now reached pension age they need to apply for Pension Credit
Pension Credit - GOV.UK (www.gov.uk)
As a couple with your mum claiming Carer's Allowance they should be entitled to the standard couple allowance of £270.30/week plus the carer addition £37.70/week = £308/week. The CA of £67.60 will be deducted from this leaving £240.40/week payable assuming there is no other income (the PIP is ignored).
They can ask for Pension Credit to be backdated to the day your dad reached pension age.
Not entirely clear about Housing Benefit - do you mean they are getting it?
Are they also claiming Council Tax Reduction to hep with council Tax?Information I post is for England unless otherwise stated. Rules may be different in other parts of UK. -
Hi sorry I think I didn’t made it clear on my first post about my mum’s situation. But yeah she’s 68 however doesn’t qualify because of lack of NIC.
Their housing Benefit and council tax reduction was suspended due to him reaching pension age and they said they will only remove the suspension once my dad get his pension so they can make the calculations for housing benefits however while we were waiting for DWP to respond to my Dad’s state pension application we have contacted council regarding their financial difficulties during the waiting period and they have recalculated housing benefit allowance based on their current income ( PIP+ Carer allowance) and removed the suspension. So yes their housing benefit started again about a week ago along with the council tax reduction. -
Just a thought OP mum should have received N.I credits whilst claiming CA.2024 The year of the general election...the time for change is coming 💡
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woodbine said:Just a thought OP mum should have received N.I credits whilst claiming CA.Information I post is for England unless otherwise stated. Rules may be different in other parts of UK.
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Cecilia0923 said:Their housing Benefit and council tax reduction was suspended due to him reaching pension age and they said they will only remove the suspension once my dad get his pension so they can make the calculations for housing benefitsCecilia0923 said:..they have recalculated housing benefit allowance based on their current income ( PIP+ Carer allowance) and removed the suspension. So yes their housing benefit started again about a week ago along with the council tax reduction.
Claim Pension Credit, backdated to when dad reached pension age. They will still get full HB entitlement and CTR with the PC so will have an extra £240.40/week (based on the available information).Information I post is for England unless otherwise stated. Rules may be different in other parts of UK. -
Thanks @calcotti this is really helpful. With your recommendations we will now apply for pension credit.Have a great weekend!
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I should have said backdate to when dad reached pension age (up to a maximum of three months).Information I post is for England unless otherwise stated. Rules may be different in other parts of UK.
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He has reach the age on the 10th of June 2021 so I think he’s good to backdate it to that date.
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Cecilia0923 said:He has reach the age on the 10th of June 2021 so I think he’s good to backdate it to that date.Information I post is for England unless otherwise stated. Rules may be different in other parts of UK.
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Incidentally, I hovered elsewhere that Pension Credit are currently saying it takes about six weeks to process claims - but i can't verify that.Information I post is for England unless otherwise stated. Rules may be different in other parts of UK.
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I don’t know how autocorrect got ‘hovered’ in my previous post!Information I post is for England unless otherwise stated. Rules may be different in other parts of UK.
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