The state pension will be transformed on 6th April this year – moving from a basic pension plus a top up for some people, to a ‘flat rate’ state pension for everyone. There has been a lot of talk about the fact that over the short term, transitional arrangements will mean huge swathes of the retiring population won’t get the full flat rate pension. However, there will be thousands of pensioners that for the first time won’t just get less – they’ll get nothing at all.
Those who will slip through the net for the first time are the 70,000 people who don’t have enough National Insurance contributions to qualify for any state pension. Age UK says this includes 50,000 women and 20,000 men currently in their 50s and 60s.
Under the current rules, there’s no qualifying minimum number of years of National Insurance contributions before you get some state pension. It means that people who have only worked for a few years will get something. Under the new rules, anyone with fewer than ten years of contributions will receive nothing at all.
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