Attention Mums, Am I the only person who didn't know this?

Discussion in 'Off-Topic Discussion' started by silu, Jul 15, 2016.

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  1. silu

    silu gardening easy...hmmm

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    I was 1 of the females who was affected by the changes to when you can claim state pension. I missed being able to claim at 60 by having my birthday all of 23 days too late:whistle:However, I am now able to claim 3 years later.
    Although I worked for many years I stopped working for quite a while when my family was young (old fashioned it might be but personally I feel as they're your children, you should be responsible in bringing them up,not a child minder/sending them to "school" at a rediculously young age etc) Because I was a stay at home Mum I presumed my basic pension would be affected as I wouldn't have the 32? years needed for a full pension. WELL I didn't know that you are credited with the equivalent of 16 years of contributions while bringing up you children as long as you were receiving child benefit.
    The upshot is that I am entitled to the full pension because the extra years credited means I have the minimum required for the full pension entitlement.....happy days!
     
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    • "M"

      "M" Total Gardener

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      So, if someone gets child benefit over a period of 32 years, does that mean they still qualify?
       
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      • Jiffy

        Jiffy The Match is on Fire

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        So what about the Female who didn't have childen and didn't claim child benefit and work all of her life and planed to retrie at 60 and then her pension date moved
         
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          Last edited: Jul 15, 2016
        • JWK

          JWK Gardener Staff Member

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          Yes :)
           
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          • JWK

            JWK Gardener Staff Member

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            The rapid shifting of the pension age is grossly unfair - it affects all women whether they had children or not.

            One of our friends has been on the recent march outside Parliament -

            http://www.waspi.co.uk/

            - several MPs were sympathetic but we are very hopeful that now Theresa is in office and she is of the same age and situation you mention Jiffy then maybe just maybe she will do something about it.
             
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            • "M"

              "M" Total Gardener

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              ... and has just begun a new job, so no immediate thoughts on drawing her pension then ... :whistle:
               
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              • Kandy

                Kandy Will be glad to see the sun again soon.....

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                As far as I am aware Child Benefit is only paid up to a certain age of the child as Mr Kandys sisters two kids went to college after they failed their GCSE's so she was able to claim child benefit as it was called then until they went to work at 17/18(can't remember the exact age) and she like many mums who stayed at home will get Home Responsibility Benefit paid to her for the 16 years she stayed at home.

                I am one year short on my NI contributions after paying it for 34 years when they changed it to only needing 30 years instead of what was 35 years needed,but now they have changed it back to 35 years contributions so I need to pay the extra year owing before I reach 66 which is the new age for me getting a state pension even though I have paid in an absolute fortune in NI contributions because of all the long days/weeks I did over the 34 years and someone told me that we are being made to wait longer because someone has to pay for all the stay at home mums to be credited for their time at home...:sad:
                 
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                • miraflores

                  miraflores Total Gardener

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                  It is just fair that bringing up a child is rewarded as working years. An enormous amount of time, energy and responsibility goes into it, not only 9-5 but 24 hours! Responsibility not only towards the child himself, but the society.
                   
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                  • Kandy

                    Kandy Will be glad to see the sun again soon.....

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                    It is not 24 hours because once the child is of school age then it is the responsibility of someone else to look after your kids all day for five days of the week so only becomes more time at the weekends unless the children go off to do other activities then someone else takes over the looking after them for a few hours and when the school holidays come round the mums all moan that they are having to spend some of their free time looking after their little darlings all day every day for six weeks etc and having the kids at home has spoit their routine and they can't wait for them to get back to school so that they can go back to visiting other mums in the village for a cuppa and a gossip and to go shopping over MK etc..

                    My parents brought up nine kids of their own then adopted a tenth,and fostered children and both worked and in those days there was no home responsibility benefit to fall back on.My sisters used to stay at home to look after the youngest child while their husbands worked during the day and then went out to work from either 5-10pm or 6-10pm (this was before the days of a 24 hour work day that is the norm these days)

                    When you have kids you have to decide whether you want to be a full time mum or go to work but those that choose to stay at home shouldn't be rewarded for it and anyway mums can work from home these days (my mum did it and it was called outdoor work) and the stay at home mums are not paying NI contributions or Income Tax..

                    And before you all say anything our being childless wasn't something that we wanted,as we had many years of treatment to try and have even one but it wasn't to be and we hadn't got the money to be able to have private treatment due to a high interest rate mortgage (Thanks Maggie :mad:)and would have still gone out to work if I had become a mum to try and keep the roof over our heads. I just get fed up with getting penalised by governments for the actions of others.:sad:
                     
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                      Last edited: Jul 16, 2016
                    • silu

                      silu gardening easy...hmmm

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                      Judging by the number of posts you have made Kandy I presume you are not a troll?
                      I am sympathetic that you are unable to have children (my brother and his wife were not able either so have experience of the sadness) BUT, I really do take exception to some of your assumptions. Where did you get the idea that Mothers give up their responsibilities once their children reach school age? I still try and help/support and advise my children who are all over the age of 25 and they often ( not always:)) take it. They are all working in responsible jobs and contributing to society by paying plenty of tax, so not being scroungers or idle.
                      I ran my own business for many years AND was being a Mum. I would have to live until I was about 200 yo to get back in my pension the amount of tax I paid over the years so when I depart this earth I will be in credit.Not everybody is a suitable candidate for The Jeremy Kyle Show.
                       
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                      • miraflores

                        miraflores Total Gardener

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                        ok let me give you an example of my "free time"...I leave early in the morning for work. Prior to that, I prepare all the bits and pieces relevant to breakfast and school (multiplied 3 because I am blessed with 3 children) fill in and sign forms, check homework, pay bills online, do washing, cleaning, some food preparation for later in the day. Go to work where I relax...PS note that the relax will end abruptly at 3.
                        Before school pick up time is the allocated time for the DAILY food and clothes and other shopping and CARRYING it. Oh wait and then I may forget the food for the water turtle or for the hamster or for the budgies or for the dog or the litter for the cat and have to go out again. In the dead time at work I have to make calls to organize doctor, hospital appointments outings etc
                        If somebody is unwell you have to be with them and you cannot do anything of the above and it piles up for the next day....
                        This are just the first things that come to mind. Daddy was never into house chores, but has other virtues, he says :yes:
                         
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                        • Anthony Rogers

                          Anthony Rogers Guest

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                          I'm sorry, Miraflores.

                          Why should you be rewarded by the Government for having children.
                          I've always said and I'll say it again that I don't believe in Child Allowance or whatever it's called now. You make the choice to have children, you should pay for them.

                          My mom brought two of us up, and gave up work for twelve years. In those days you got CA for the first child then a reduced rate for the second and that was it, if you had anymore you didn't receive a penny for them.

                          At least David Cameron stopped the loony labour idea of paying out £200 everytime somebody had a baby.
                           
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                          • JWK

                            JWK Gardener Staff Member

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                            I don't want to press the disagree button on some of the above posts, it is personal opinion and I'm a Dad not a Mum but women's pension rights are a subject close to both mine and Mrs JWKs heart.

                            Mrs JWK was a 'stay at home' Mum BUT also paid for voluntary NI contributions during that time as we thought that was the only way to guarantee her pension. Then the govt in its wisdom starting changing the rules, first they said you needed 40 years of NI contribution so we started paying extra NI to miss the few years when we couldn't afford it in the past. Then they changed it to 30 years and again just recently it went up to 35 years. When it was announced that getting child benefit meant your NI was covered for that year we applied to get our contributions back, which was a valid thing to do and there was a procedure to apply. We had a big fight with HMRC and lost, we hadn't ticked a box each year on the NI voluntary payment form saying it was voluntary. So Mrs JWK has effectively paid twice - from money we could ill afford, especially as I was the only bread winner. There is no more we can do about it but grin and bear it.

                            I'm sure we are not alone, so some people like us have more than made up for the so called 'free' NI contributions for those with children.
                             
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                            • miraflores

                              miraflores Total Gardener

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                              in my post

                              I was referring to the "bringing up a child" years (from 0 to 12 years approx) to be treated as pensionable years (counting as working years towards ones pension).
                              PS I was not referring to any other money benefit that one may or may not receive in those years because they have children.
                               
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                              • Kandy

                                Kandy Will be glad to see the sun again soon.....

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                                Silu,sorry you are offended by most comments and no I won't be offended in people thinking I am a troll after posting over 10,000 posts over the last six years:snorky: (would post more but I have a garden,allotment,housework and quiet severe arthritis to contend with) but was just trying to point out that many women (friends and family of mine) have chosen to stay at home to bring up their children and now are being credited for that pleasure but for me being born slightly later are now having to wait until we are 66/67 before we can claim our pension and bus pass.

                                I started work on my 15th birthday and have done many 12 hour days plus 7 day working weeks for many years.Mr Kandys relative was moaning about not getting her state pension until she is 66 but as her hubby had a very good goverment job she hasn't needed to work for over 30 years and although she has now tried to pay for some of those years she still hasn't paid the amount of NI contributions I have paid so will gain in one way as she is being credited for being a stay at home mum/housewife.And guess which one of us looks knackered through working all their life and which one looks as fresh as a daisy for being a stay at home mum.

                                All right we haven't got kids but I still have had to go home after a long days work and cook meals for us,got all the washing,ironing, walk the dog and get housework done as my hubby came from a family where the wife didn't work after getting married as the men was classed as the breadwinner so the wives brought up the kids and did the housework all day long so he doesn't understand that we are not super humans:snorky:

                                My only complaint is that we are being penalised for something that isn't our fault and to be honest I doubt very much if I shall reach 66 to pick up my pension as I am too bloody knackered.

                                I would give anything to be credited by the goverment but unfortunately it is never going to happen and some of the treatment I had to try and have a family I had to pay for myself despite paying plenty of NI contributions but when the treatment got to expensive we had to give it up...
                                 
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