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Help The Aged

Below is all the information regarding Help the elderly. Details such as help with pensions and state pension details.

By planning ahead you can make sure you have enough pension when you retire. If you do end up with little or no pension you may be able to get Pension Credit, and may be entitled to a non-contributory State Pension if you are over 80.
You qualify for the State Pension by building up enough ‘qualifying years’. A qualifying year is a tax year in which you have sufficient earnings upon which you have paid,or are treated as having paid, or are credited with National Insurance contributions.
Men normally need to have 44 qualifying years to be entitled to the full basic State Pension at 65. Women who reach the age of 60 before 2010 normally need 39 qualifying years to get the full basic State Pension. Between 2010 and 2020, the number of qualifying years normally needed by a woman will increase from 39 to 44. This is because by 2020, State Pension age will become 65 for both men and women.

If you don't have enough qualifying years, you may be entitled to a smaller State Pension. If you have 25 per cent or more qualifying years, you'll get a weekly basic State Pension between the minimum (£22.68 in 2008-2009) and the maximum (£90.70).

Changes to qualifying years
Between 2024 and 2046, State Pension age will increase - for both men and women - from age 65 to 68. Men and women who reach State Pension age on or after 6 April 2010 will only need 30 qualifying years to get a full State Pension. If you have less than 30 qualifying years you will get a proportion of the full State Pension. For example, if you have seven qualifying years, you will get a State Pension that is 7/30ths of the full State Pension.

If you have tax years which don’t count as qualifying years you may be able to boost your basic State Pension by paying voluntary National Insurance contributions for those years. You can pay voluntary National Insurance contributions back to 1996. A State Pension forecast can tell you if paying voluntary National Insurance contributions will improve your State Pension.