Women Still Getting a Raw Deal on Pensions; EDITED BY SALLY MCLEAN; the Age for Both Sexes to Receive Their State Pension May Now Be the Same but That Is Where the Similarities End - as Women Continue to Lose Out

Daily Record (Glasgow, Scotland), November 7, 2018 | Go to article overview

Women Still Getting a Raw Deal on Pensions; EDITED BY SALLY MCLEAN; the Age for Both Sexes to Receive Their State Pension May Now Be the Same but That Is Where the Similarities End - as Women Continue to Lose Out


Byline: TRICIA PHILLIPS

THE state pension age for men and women became the same this week. After decades of difference, both sexes now have a state pension age of 65.

Women's pension age has been rising from 60 to 65 since 2010. But that's not all, the state pension age for both men and women is rising to 66 by 2020.

Equal state pension age may seem fair but it doesn't mean pension equality, as women continue to get a raw deal.

Pensions expert Baroness Ros Altmann gives 10 reasons why women continue to lose out in pensions, compared to men.

1 Women's state pension age has increased by more than men's - and at shorter notice. Ros said: "The Government increased the pension age for older women by up to 18 months with only five years' notice. Men had at least seven years' notice of a 12-month rise to their age."

2 State pension triple lock does not cover Pension Credit, so the poorest women pensioners are not protected. More than half a million people aged over 80 receive Pension Credit, a means-tested benefit to lift pensioners out of poverty.

This is only tied to earnings, while the new state pension, which pays more than Pension Credit, is triplelocked so it increased by whatever was higher - price inflation, earnings inflation or a safety net rate of 2.5 per cent.

3 Lowest earners, mostly women, are excluded from the state pension.

Ros said: "Tens of thousands of working women do not receive any credit for their state pension.

"Those earning below the PS6032 low-earnings threshold in one or more jobs get no National Insurance credit towards their state pension.

"If they didn't work, or earned more (between PS6032 and PS8424) the rules allow them to pay no NI but to earn credits towards their state pension. The NI system excludes those who have several jobs but each pays less than PS6032."

4 Women who don't claim Child Benefit lose their state pension entitlement. Families where one partner earns more than PS60,000 are not eligible for Child Benefit. But mothers must still claim it - even if they know they are not entitled to it - or they will not receive NI credits which build up their state pension entitlement. …

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