DWP says my dad who died at 100 was underpaid 明言する/公表する 年金 for 20 years: Steve Webb replies

Underpaid state pension: Did you or a late loved one lose out? Find out what to do below

Underpaid 明言する/公表する 年金: Did you or a late loved one lose out? Find out what to do below

In July 2023, I received a DWP letter regarding my Dad's 明言する/公表する 年金. He passed away in 2020 老年の 100.

The letter advises he was する権利を与えるd to more 年金 than was paid for the period May 2000 to October 2020.?

This would have been from the age of 80 to 100.

There was a 代表者/国会議員 宣言 to 完全にする which I did and I have since tried to call them to find out if he is 適格の.?

They are unable to advise as the section 取引,協定ing with this do not take calls.

He did not receive a 明言する/公表する 年金 予定 to not having paid enough NI 出資/貢献s as a self-雇うd 商売/仕事 owner.?

He received a paym ent at the end of the year which was about £10. Are you able to help?

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Steve Webb replies: It must have come as a shock to you to get a letter from the 政府 telling you that your late father was underpaid 明言する/公表する 年金 for the last 20 years of his life.

And it is very 関心ing that にもかかわらず you 答える/応じるing to the letter nothing has happened since.

The background to the letter that you have received is the 普及した 始める,決める of errors in 明言する/公表する 年金s which This is Money and I 明らかにするd.

The three groups 影響する/感情d by these errors 含む:

- Married women on a low 明言する/公表する 年金, whose husband drew his 年金 after 17 March 2008, and whose 年金 should have been automatically 増加するd when he retired;

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- 未亡人s, whose 明言する/公表する 年金 was not 再評価するd when their husband died; some widowers were also 影響する/感情d;

- People on a low 年金, whose 年金 should have been 増加するd automatically to the 基準 over-80s 率 when they turned 80;

Since 早期に 2021, DWP have been 雇うing hundreds of civil servants to go through hundreds of thousands of 記録,記録的な/記録するs to check for errors and to 支払う/賃金 arrears - this is known as the 合法的な Entitlement and 行政の Practice or LEAP 演習.

The 最新の 公式の/役人 人物/姿/数字s on 明言する/公表する 年金 underpayment 事例/患者s reviewed to 31 October 2023 show that by then they had paid out just under half a billion 続けざまに猛撃するs to more than 80,000 people.

DWP say that by the end of 2023 they had finished checking for errors on married women and the over-80s and will spend the 残り/休憩(する) of 2024 解決するing errors relating to 未亡人s and widowers.

Given that DWP regards errors for the over-80s as now 解決するd, it was a surprise to get your message and to hear that you had still not had the 関連した 支払い(額) from DWP for your late father.

In 事例/患者 this is 関連した to anyone else, the 明確な/細部 error we are talking about here relates to something called the 部類 D 明言する/公表する 年金.

This is payable at a 率 of 概略で 60 per cent of the 十分な basic 明言する/公表する 年金 for those 老年の 80 or over. The 現在の 率 is £93.60 per week.

Were you or a late loved one underpaid 明言する/公表する 年金??

Do you think your 支払い(額)s are too low? Read Steve Webb’s 最近の column on the 明言する/公表する 年金 ‘魔法 最小限’ and This is Money's guide to underpaid 明言する/公表する 年金.

Have you had a letter from the DWP about 明言する/公表する 年金 arrears but received no money yet? 令状 to us: pensionquestions@thisismoney.co.uk

Please put DWP CLAIMS in the 支配する line.

Do you think a (死が)奪い去るd 親族 was underpaid 明言する/公表する 年金? 登録(する) your 詳細(に述べる)s on this 政府 webpage: Request (警察などへの)密告,告訴(状) about underpaid 明言する/公表する 年金 for someone who has died.

The unusual feature of the 部類 D 年金 is that it is payable 関わりなく your 記録,記録的な/記録する of 国家の 保険 出資/貢献s.

This is why someone such as your late father, whose NI 記録,記録的な/記録する may have been patchy because of his time running a small 商売/仕事, would still be する権利を与えるd.

This is Money 接触するd DWP on your に代わって and they 確認するd that your father was indeed underpaid for 20 years, and have 問題/発行するd you with an arrears 支払い(額) of a little under £8,000.?

They have also apologised for the 延期する.

Eagle-注目する,もくろむd readers may look at this arrears 人物/姿/数字 and wonder why it is not larger given that the underpayment went on for two 10年間s.

The 推論する/理由 for this is that you have told me that your parents were receiving 年金 credit to 最高の,を越す up their income.

If the 訂正する 明言する/公表する 年金 had been paid on time then their 年金 credit 支払い(額) would have been lower.

So DWP 相殺する the underpaid 明言する/公表する 年金 against what now turns out to have been overpaid 年金 credit and 支払う/賃金 you the difference.

論理(学)上 people underpaid 明言する/公表する 年金 or their 受益者s should get 利益/興味. But DWP took the 決定/判定勝ち(する) 権利 at the start of the LEAP 演習 that they would not 支払う/賃金 利益/興味, and say they have precedent for this.

I 嫌疑者,容疑者/疑う their 見解(をとる) is that it’s enough of a 職業 to check hundreds of thousands of 記録,記録的な/記録するs, calculate 是正する and make all the 支払い(額)s, without then having to do コンビナート/複合体 利益/興味 計算/見積りs on 最高の,を越す which would slow the whole thing 負かす/撃墜する.

I imagine if someone challenged this in 法廷,裁判所 they might 井戸/弁護士席 勝利,勝つ, but the 量s 伴う/関わるd at 基準 政府 利益/興味 率s would probably be small 親族 to the cost of doing so.

Your experience does make me wonder how many more people there are who may have been 接触するd about errors ? perhaps 特に relating to a loved one who has since died ? but have heard no more.

What did the DWP say??

'The 活動/戦闘 we are taking now is 訂正するing historical underpayments made by 連続する 政府s,' says a DWP spokesperson.

'明言する/公表する 年金 underpayment 率s remain low at 0.5 per cent of 支出 and when errors do occur, we are committed to 直す/買収する,八百長をするing them as quickly as possible.

'We apologise for the 延期する in 問題/発行するing the arrears 支払い(額)s, these have now been 問題/発行するd to Mrs [redacted].'?

If you are in this position do please get in touch as we want to make sure that as many people as possible get the money that they are 借りがあるd. 詳細(に述べる)s of how to 令状 to are in the box above.

Do you have to 支払う/賃金 税金 on a 支払い(額) of 明言する/公表する 年金 arrears?

The lump sum is a 支払い(額) of 明言する/公表する 年金, and 明言する/公表する 年金s count as taxable income, so there may be 所得税 予定.

But the good news is that you are not 税金d as if you had received the money this year all in one big lump.

The way the 税金 法案 is worked out is that the lump sum is broken 負かす/撃墜する into a year-by-year 量.

You are then 税金d as if you had received the 訂正する 支払い(額) each year. However, no 税金 is 予定 for periods more than four 完全にする 税金 years 支援する.

In practice, for someone who was on a very low income, and who would not have been drawn into the 税金 逮捕する even if they had received their 訂正する 年金, then there will be no 税金 法案.

Where a 支払い(額) is made to the 広い地所 of someone who has died there could in a 少数,小数派 of 事例/患者s also be an 問題/発行する around 相続物件 税金.

This point is covered by my 同僚 Heather Rogers at This is Money in her article here: What are the 税金 支配するs if you 相続する a 明言する/公表する 年金 backpayment?

Ask Steve Webb a 年金 question

Former 年金s 大臣 Steve Webb is This Is Money's agony uncle.

He is ready to answer your questions, whether you are still saving, in the 過程 of stopping work, or juggling your 財政/金融s in 退職.

Steve left the Department of Work and 年金s after the May 2015 選挙. He is now a partner at actuary and 協議するing 会社/堅い 小道/航路 Clark & Peacock.

If you would like to ask Steve a question about 年金s, please email him at pensionquestions@thisismoney.co.uk.

Steve will do his best to reply to your message in a 来たるべき column, but he won't be able to answer everyone or correspond 個人として with readers.?Nothing in his replies 構成するs 規制するd 財政上の advice. Published questions are いつかs edited for brevity or other 推論する/理由s.

Please 含む a daytime 接触する number with your message - this will be kept confidential and not used for marketing 目的s.

If Steve is unable to answer your question, you can also 接触する MoneyHelper, a 政府-支援するd organisation which gives 解放する/自由な 援助 on 年金s to the public. It can be 設立する here?and its number is 0800 011 3797.

Steve receives many questions about 明言する/公表する 年金 予測(する)s and COPE ? the 契約d Out 年金 同等(の). If you are 令状ing to Steve on this topic, he 答える/応じるs to a typical reader question about COPE and the 明言する/公表する 年金 here.??