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Effect of re-marriage on state pension

 
 
pendragon
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      10-05-2006, 11:23 AM
A lady friend, aged 59, has just received a pension forecast and she is
entitled to the full OAP (84 or so a week) based on her divorced (and now
deceased) husband's contributions. Her own contribution record is very
small.

If she remarries, is she right in thinking that her OAP entitlement will now
depend on the new husband's contribution record? Does it make any
difference if she re-marries after age 60?

Any help or links much appreciated.

terryw


 
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Robbie
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      10-05-2006, 12:03 PM
pendragon wrote:
> A lady friend, aged 59, has just received a pension forecast and she is
> entitled to the full OAP (84 or so a week) based on her divorced (and now
> deceased) husband's contributions. Her own contribution record is very
> small.
>
> If she remarries, is she right in thinking that her OAP entitlement will now
> depend on the new husband's contribution record? Does it make any
> difference if she re-marries after age 60?
>
> Any help or links much appreciated.
>
> terryw
>


I don't think so, otherwise women everywhere would be rushing around at
age 59 trying to find blokes with good contribution records! My
understanding is that contributions from a spouse can be used towards
pension entitlement from full tax years in which they were married.

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Robbie
 
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Robbie
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      10-05-2006, 02:43 PM
Robbie wrote:
> pendragon wrote:
>> A lady friend, aged 59, has just received a pension forecast and she
>> is entitled to the full OAP (84 or so a week) based on her divorced
>> (and now deceased) husband's contributions. Her own contribution
>> record is very small.
>>
>> If she remarries, is she right in thinking that her OAP entitlement
>> will now depend on the new husband's contribution record? Does it
>> make any difference if she re-marries after age 60?
>>
>> Any help or links much appreciated.
>>
>> terryw

>
> I don't think so, otherwise women everywhere would be rushing around at
> age 59 trying to find blokes with good contribution records! My
> understanding is that contributions from a spouse can be used towards
> pension entitlement from full tax years in which they were married.
>


I had to rush out before and couldn't get to finish this.

The contributions record of the new husband won't be used at all in
determining her pension, as far as I am aware. I'm sure the pension
record is based on contributions in "real time" and not on some
unforseen (or even forseeable) event in the future. As such the gaps in
her own contribution record can be covered by the contribution record of
her ex-hubby, for the years they were married. Now if she remarried
before she turned 60, I'm positive her new hubbies conts won't play a
part at all, and I assume the conts of her ex-husband will still count
for those missing years.

It's something that would need to be checked out in advance though, if
she was going to remarry, and this would could only be done through the
proper channels.

--
Robbie
 
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