Earning a Living

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Re: UK Pension -voluntary contributions

Copied from the Direct Gov Website

Choices you have at State Pension age

State Pension age is not the same as retirement age. Retirement age is when you choose to retire, but you can still work after State Pension age.

When you reach State Pension age, you can:

  • stop working and get your State Pension
  • carry on working and get your State Pension as well
  • carry on working and put off claiming your State Pension

If you put off claiming your State Pension, you may be able to get extra State Pension or a lump-sum payment when you do claim it.

If you go on working after State Pension age, you don't have to carry on paying National Insurance contributions.


Fairer Taxation not Confiscation
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Re: UK Pension -voluntary contributions





From this web page

Bereavement benefits and qualifying years
It's important to note that if you reach State Pension age on or after 6 April 2010 eligibility for bereavement benefits (payable if someone dies to their spouse or civil partner if under State Pension age, and based on the deceased's National Insurance contributions) will remain at up to 39 qualifying years for a woman and up to 44 for a man. You may want to take this into account when deciding whether or not to top up your National Insurance contributions.

And this is now a choice for us. He has already over paid on his number of years ie around 33 years now, when only 30 are needed just for the pension, so we could just continue or not. And we have decided not to.

So sorry I have made the page BIG, but I just copied the links
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