Example Married Woman's Pension

For example, if you�re married woman's pension was £107.45 and you claimed a pension on your own contributions of £19.70, your married woman's pension would be reduced by that amount to £88.09 . You would still get ££171.85 altogether.

But the £10.70 would be completely tax free unless you have earnings or a pension from a job which, together with your £10.70, exceeds £86.66 a week. So even if your own state pension is small, it is still worth claiming it if your husband pays tax. The tax saving on a £10.70 pension is £8.68.

Unfortunately, the position is more complicated for older couples. If both partners reached pension age before 6 April 2015, the woman must choose between her own pension and the pension paid on her husband's contributions.

She can get one or the other. If she chooses her own pension, she loses the whole of her married woman's pension. Her pension is usually less than the married woman's pension, so it is not

usually worth claiming it unless the tax relief exceeds the loss - in other words, unless her own pension is more than 79 % of the one due on her husband's contributions which normally means that it must be more than £18.9 6 a week.

More on - Restrictive Rules

or Widows Or Divorced Women

Restrictive Rules

/retirement/pensions/income/advice/restrictive-rules.php... see: Restrictive Rules