Families of those in the armed forces are missing out on state pensions of up to £30,000

To exclude, to expel:

Spouses of members of the force stationed abroad may miss out on National Insurance credits needed to receive full state pensions, but research suggests a plan is aimed at filling them out. full of space is being used poorly

Up to 45% of those eligible to deposit didn't register
Up to 45% of those eligible to deposit didn’t register

The spouses of armed forces members are missing pension scheme Deposits are worth up to £30,000, research shows.

The issue revolved around the Armed Forces National Insurance credit program (AFNICS).

This means it will help 20,000 armed force spouses get their full state pension if they join their partners on a post abroad.

Without AFNICS, moving abroad could mean missing out National Insurance credits, which are used to calculate how much state pension you get.

You need 35 years of qualifying National Insurance contributions to get your weekly state pension up to £179.60 a week and 10 years to get anything.

Since the state pension is a UK benefit, moving abroad could mean losing these credits.

Have you missed out on getting your state pension? Message

The scheme is run by HM Revenue & Customs, but it appears to still keep patchy records



AFNICS rechargers can add £30,000 to their state pension during retirement.

The plan was launched in 2016, but the plan only helps 45 percent of the people it’s designed for, according to wealth manager Quilter.

Quilter takes a Freedom of Information (FOI) request to HM Revenue & Customs (HMRC), the operator of the program, to find out how many people have signed up.

The company found that only 9,019 people have taken advantage of the state pension since 2016 – and the true number could be even lower.

Quilter’s first FOI request was denied by HMRC, which said it was unable to track how many people had used the program.

The asset manager subsequently appealed to the FOI and HMRC came back with data from Google Analytics – not its own data.

The 9,019 figure is just the number of people who visited the website to download the form needed to apply – not the number of people who successfully completed the application.

“On appeal, incorrect Google Analytics data was provided which means the program was not properly tracked for its effectiveness,” Quilter said.

During tax year 2017/18, 1,887 people downloaded the form.

The numbers are 1,531 for 2018/19, 1,953 for 2019/20 and 1,685 for 2020/1.

Quilter pensions expert Ian Browne said: “Governments will only be able to understand how to best help the people they serve if they collect quality data that can be used to understand the effectiveness of any of their plans.

“While the armed forces National Insurance credit program clearly makes good sense, participation in the program is more than five years old and cannot accurately report the number of people who have actually claimed the credit. using NI is to blame.”

There is no time limit on claiming National Insurance credits as long as the posting was overseas on or after April 6, 1975.

HMRC has been approached for comment.

Anyone interested in their NI profile can easily check online through the Government website to see where they stand.

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Read more Families of those in the armed forces are missing out on state pensions of up to £30,000

Fry Electronics Team

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