Missing out under new pensions rules

Pound coinsMargaret (not her real name) has been married for over 30 years. She worked part-time for many years but this work was low paid, and only during teaching terms, so she never built up her record of NI contributions.

During periods of unemployment Margaret did not claim benefits (and therefore credits which would have counted towards her NI record) because her husband was working. Margaret gave up work to look after her husband when he became chronically ill to help him remain working for as long as possible.

They felt they could manage without claiming carer’s benefits (which again would have protected her NI record), but when he did eventually have to give up work as his condition worsened they made sure that he claimed incapacity benefit, purely so that his NI contributions—and therefore, they thought, Margaret’s pension—would be protected.

Margaret’s husband will reach pension age under the present system, with a full contribution record, which they were always promised would also cover Margaret. However at 59 Margaret finds that the pension she had relied upon will no longer exist.

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