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Your Questions Answered
I have a pension fund of £100000, 25% is available as a tax free sum, the remaining £75000 as an annuity will achieve approx £5000 per annum (poor). Can I take the whole amount £100000 in one go? I am 60 in November./ 12.5.2012• Reviewed At
Dear Mr Perrin,
I am the pensions expert attached to PensionCalculator and I am an Independent F…
My wife beryl is 69 and only worked to the age of 29, and as soon as we started a family we made a decision that my wife would stay at home and look after the children and that’s what happened. When our children left school and college my wife continued to look after her parents who have both now passed away. My wife was advised by a social worker to claim carers allowance which she did eventually, although she could have claimed a long time before she did. My question is my wife’s state pension is only £56.90 a week and mine is £134,but I have always felt, particularly when speaking to other pensioners, that my wife’s pension is totally unjust. She could have done what many have and that is claimed benefit for all these years but we are not that type of people. I am also 69 and following my retirement we are having to subsidise our living costs with our savings./ 12.5.2012• Reviewed At
Dear Mr Wood,
The state pension is based upon a combination of years of contribution to the Natio…
I have a stakeholder pension I am 63yrs old this is due when I reach 65yrs will this pay my interest only mortgage? And how does this happen?/ 11.5.2012• Reviewed At
Dear Mr Wilson,
The problem with Interest Only mortgages is that you need to either keep paying t…
I am in a private pension plan now but I wonder will I get anything for the 3 years I made state contributions in the 1970s?/ 11.5.2012• Reviewed At
Dear Mr McGrath
You should receive a State Pension by virtue of the fact that you are presumably p…
My wife & I will receive full state pensions. When one dies does the remaining partner receive half the state pension?/ 10.5.2012• Reviewed At
Dear Mr Collins
On the death of one of you you should revert back to your single pension rate (this…
Approx 25 years ago I opted out of state pension. I would like to know if I would be better to opt back in. My date of birth is 29/03/1953. I would appreciate your advice on this matter. Thanks/ 10.5.2012• Reviewed At
Dear Mr Gray,
Opting out was in respect of the additions to the State Pension. Initially it was SE…
Hi. I am a 73-year old retired pensioner and am interested to find out more about the pension credits savings element, I do not qualify for a council tax discount other than having the reduction as i am the only person in my house. I do not have a mortgage,own my home outright, but even having a small pension credit might enable me to be eligible for help with the cost of spectacles etc. I shall be pleased if you can advise me in this matter./ 9.5.2012• Reviewed At
Dear Mr Mitchell
Pension credit is an addition to the state pension aimed at bringing pensioner…
I am a British National. I have lived and worked in Africa most of my life and now I am 54-years old and divorced. My question is, how do I pay into the UK Pension Fund to boost my pension? I know I am due a pension on the strength of the fact that I am British – but I would feel guilty claiming – having put in virtually nothing for years! I am now working permanently in England./ 9.5.2012• Reviewed At
Dear Mrs Jones
The UK State Pension is funded through contributions we make to National Insuran…
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