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I'm a postman - morale is at an all-time low: What posties REALLY think of Royal Mail... and why you're waiting weeks for post already have a qualifying year of National Insurance — usually because you work or receive other National Insurance credits If no one has claimed Child Benefit for the child there is no attached National Insurance credit to transfer and credits cannot be awarded. If you provided care for a child under 12 during COVID-19

HMRC is looking at ways in which it can improve its communications further, both at the birth of a child and for existing child benefit claimants. There is only one credit available for each Child Benefit claim, no matter how many children are on the claim itself. What are pension pots for life? Autumn Statement set to reveal 'auto enrolment 2.0' shake-up - here's how they could work

Questions and Answers

Steve will do his best to reply to your message in a forthcoming column, but he won't be able to answer everyone or correspond privately with readers. Nothing in his replies constitutes regulated financial advice. Published questions are sometimes edited for brevity or other reasons. To find out how the state pension will supplement your private pension savings, get your state pension forecast at gov.uk , which will tell you how much you're likely to receive. To be fair, the guide does say later on that in essence the person not in paid work is the one who should claim, but if you’ve already read that you should fill the form in if ‘you are responsible for a child’ then you might stop there. It's not just Farage - charities are being 'debanked too': Regulators blast banks for closing accounts

He is ready to answer your questions, whether you are still saving, in the process of stopping work, or juggling your finances in retirement. Could YOU claim pension credit? Claims have spiked as bills soar, so what are the rules - and why might you get refused?You need to send evidence with your application, showing the allowance or benefits the person you cared for was paid during the period you were caring for them. Aviva is withholding my late husband's pension until a coroner confirms I wasn't involved in his death This means that he could, in principle, qualify for National Insurance credits, but assuming that he was in work at the time and paying NI contributions then these credits would have been of no value to him.

If the grandparents provided care for their daughter’s child and their son’s child, there are likely to be 2 Child Benefit recipients and 2 credits are available for transfer. You need 35 years' worth of NICs to get the full state pension and 10 years to get anything at all. If there were years where you didn't get enough NI credits to give you a 'qualifying year', you may find you have a gap on your NI record. You need to open and complete this form online. As you cannot save your progress, you should get all your information together before you start. For example, people who have a National Insurance Contribution (NIC) record below 35 years will have a deduction applied, as will those who 'contracted out' of the additional state pension before 2016 in return for lower NICs.Get all of your information together before you start. You will fill this form in online and you cannot save your progress. Ofcom declares Royal Mail ISN’T prioritising parcels, so why are letters taking so much longer to be delivered? The evidence must show that the allowance or benefit was paid to cover at least 48 weeks of each year that you’re claiming Home Responsibilities Protection. Ways to apply Apply online Government allows houses to be split into flats without planning permission: Who are the winners and losers? However, the crucial point regarding your question is that the credits go to the person ‘receiving child benefit’.