Women missing out on state pension


Women missing out on state pension

This page was last updated on October 15, 2021
Thousands of women are thought to have been underpaid the state pension, thanks to a rule change in 2008 and computer errors.

8 October 2021

Who is affected?

Those affected are married women (including widows and divorcees) who reached state pension age (SPA) before April 2016 and who qualify for the basic state pension.

What are they entitled to?

This cohort of women is entitled to 60% of the basic state pension their husband gets at SPA, but before March 2008 they had to make a claim to receive it.

Why are so many women in the dark?

The Department for Work and Pensions (DWP) says it wrote to women whose husbands reached SPA (then 65) before this date to alert them of this option, but many say they never received such a letter.

For women whose husbands reached SPA after March 2008, the DWP’s computer systems should have automatically boosted their state pension payments to the 60% sum. However, many women have said that didn’t happen.

For women whose husbands reached SPA after March 2008, the DWP says it has backdated missing payments all the way to 2008. Unfortunately, claims by those falling into the pre-2008 group will be treated as a ‘new claim’ for a pension and therefore backdated by just one year.

What to do if you have been underpaid

To check if you have been underpaid and are owed state pension payments, contact the Pension Service on tel 0800 731 0469 or go to their website. 

Can we help?

Specific advice should be obtained before taking action, or refraining from taking action, in relation to this summary. If you would like advice, please speak to your usual Shipleys contact or one of the specialists shown on this page.

Copyright © Shipleys LLP 2021

Current Issues

paint roller with grey paint painting a white wall

NICs revisions and a pension alert for the self-employed

The NIC rates reforms are now live, but a legacy issue from a glitch in the National Insurance Contributions system is still a cause for concern for the self-employed.
Grey keyboard with green 'donate' button

Charity Update Spring 2024

In this bulletin, we discuss The Charities Act 2022’s final set of changes in March, the latest guidance for accepting, refusing and returning donations and The Financial Reporting Council’s latest review of Charities SORP FRS 102 (Third Edition).
Financial Services sector - digital style image image of graphs, numbers etc

Financial Services Update – May 2024

In this issue we cover the latest FCA developments and guidance notes for the sector.