养老金

1.State basic pension(SBP)

The basic State Pension is money you may be able to get when you reach State Pension age. The amount depends on the number of qualifying years you have built up through your National Insurance contribution record. You can build up your basic State Pension by paying NICs, or being treated as having paid them or being credited with contributions.

People in the condition below can get SBP, most employees provided they earn at least a minimum amount or are getting working tax credit, self-employed people unless they have opted no to pay NICs, people who are being credited with National Insurance and people not in the above categories who volunteer to pay NICs.

If you reach State Pension age before 6 April 2010, the numbers of qualifying years needed to get a full SBP for men is 44, for women is 39. On or after 6 April 2010, the qualifying years for women and men is 30 can get full SBP. You will need at least one qualifying year of paid or credited contributions to give you some SBP. Each qualifying year of paid and credited contributions will be worth 1/30th of the full SBP, up to a maximum of 30/30ths.if you quality for a full SBP in 2011/12, you will be entitled to £102.15 a week.

Working life the tax years from the one in which you reach age 16 to the last complete tax year before you reach state pension age. We base the amount of SBP you receive at State Pension age on your National Insurance contribution record over your working life, from age 16 to 65.

You will pay NICs for every week that you earn more than PT when working for an employer. If you work for an employer and earn between LEL a week and PT a week, you will not have any NICs taken out of your pay, but you will be treated as if you have paid NICs. If you are self-employed, you pay NICs yourself. However much you earn, you will have to pay flat-rate Class 2 contributions.

You may be able to get National Insurance credits when you cannot work, to help protect your entitlement to the SBP because of you were ill, or unemployed and registered as looking for work.

You can get National Insurance credits if you at the start of your working life or when you earn less than the lower earnings limit. You can get pension credit top up your weekly income to £137.35 if you are single.

The date you reach State Pension age depends on when you were born. On 6 April 2010, the age for women started to increase gradually from 60 to 65, to match men’s. Under the current timetable, the age for men and women will gradually increase from 65 to 68 between 2024 and 2046.

If you are a married woman, you may be able to get a SBP based on your husband’s National Insurance contribution record if your husband is over State Pension age and(until 6 April 2010) has also claimed his own State Pension. Depending on the contributions your husband has made, you could get a SBP of up to 60% of the full SBP.

From period up to 5 April 2010, if you were caring for one or more children under age 16 for whom you get child benefit, you were a foster care or caring someone with a long-term illness or disability and not getting National Insurance credits, you could