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Thousands of married women are missing out on £1,000s of extra state pension a year



If your husband hit state pension age before March 2008 and you’re not getting at least £80.45 a week in basic state pension, you could be owed £1,000s, as this example shows… 

Mrs Smith hit state pension age in July 2005 with 10 of the required 39 years of national insurance (NI) contributions. She’s entitled to a state pension of £34.42 a week on her own NI record. Yet Mr Smith has a full NI record, so she’s entitled to claim a boosted £80.45 a week. She can also backdate her claim by up to 12 months, meaning she could get around £2,300 as a lump sum, plus the boosted amount in future.

However, if your husband retired after March 2008 you could be entitled to a lot more, depending on when the DWP glitch occurred, as this example shows…

Mrs Jones hit state pension age in June 2010. She qualified for a state pension of £55 a week on her own NI record. Mr Jones reached state pension age in May 2015 and has a full NI record.

Mrs Jones should have had a basic pension of 60% of her husband’s amount automatically awarded, though a computer glitch meant it wasn’t. She can backdate her claim to May 2015 when her husband started claiming his state pension. She could get around £5,000 back as a lump sum, plus will get the boosted amount in future.

We’ve left it out for ease of calculation in these examples, but you could also get interest on top of your payments, though a DWP spokesperson told us: “Interest and consolatory payments will be considered on a case-by-case basis and depend on individual circumstances.”

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