Your options depend on why your employer has gone out of business. Married women who retired on small state pensions before April 2016 should receive an uplift of 60 percent of their husband’s payments once he reaches retirement age as well. var pymParent = new pym.Parent('which-signup', 'https://www.which.co.uk/static/tools/new-reviews/money-signup/money-signup-rhythmyx.html', {}); The issue affects women who were married and reached state pension age (SPA) before April 2016, who can claim the basic state pension. Many State Pension recipients are failing to receive their full State Pension amount because of a loophole in the system. State Pension: What is a protected payment on State Pension? But many women had gaps in their National Insurance (NI) record or had paid the specially reduced ‘married woman’s stamp’, and so reached pension age with very limited pension entitlement of their own. Your employer might be having temporary money problems, which mean they’re late paying you. State Pension: Are you being underpaid on your State Pension? You’ll then be given an indication of whether you’re receiving less than you’re entitled to. ), use our budgeting tool to see where your money goes each month. If you’ve noticed a deduction on your payslip that you weren’t expecting, double check it’s not something you’ve forgotten about. For 2020-21, the full basic state pension is £134.25 per week and the rate for married women claiming on this basis would be £80.45 per week. For those with less than 35 years worth of NICs, a reduced pension will be paid so long as you have at least 10 years of NICs or equivalent credits. What are my rights, for being underpaid. Let us know, Copyright ©2020 Citizens Advice. Home of the Daily and Sunday Express. If you get paid per hour, your payslip has to show how many hours you’ve worked. You shouldn’t have to wait until your next pay day. Unpaid wages are considered a “breach of contract”, giving you a time limit of up to six years to make your claim at county court. You can check our advice on problems with getting paid when you’re furloughed, including when: If you think your pay is wrong or you haven’t been paid, the best thing you can do is talk to your employer to find out why. If the deductions on your payslip aren't clear, ask the umbrella company or agency to explain them - preferably in writing. This will help you see how your pay’s been worked out. Find out more: how NI contributions affect your state pension entitlement. We will use your email address only for sending you newsletters. Since 2008, the 60 percent uplift amounts are supposed to be automatic. However, if you notice any of the following it could be a sign that your employer might never be able to pay you: If any of these apply to you, it’s a good idea to get advice from your local Citizens Advice on whether it’s better to leave your job. There are two groups of married women who may have been underpaid state pension benefits. The repayment amount is dependent upon when a woman’s husband was born. According to LCP since its investigation published in May, the firm has had more than 160,000 people visit its website calculator. You can check if you’re entitled to holiday pay and find out what steps to take. Couples can check their annual State Pension statements to verify this change has been made. You can check if you’ve been paid less than minimum wage at GOV.UK. By continuing to browse you consent to our use of cookies. Is there anything wrong with this page? It has identified six broader groups of women who may want to contact DWP to get their state pension payments reviewed: In May, the government said that for the group of women whose husbands reached SPA after March 2008, it has backdated these payments, plus interest on top. Calls can cost up to 12p a minute from landlines, and between 3p and 45p a minute from mobiles. You can telephone from Monday to Friday between 9.30am and 3.30pm: You can also contact your local pension centre here if you wish to write to the Pension Service. However, before this time women had to apply to get the full sum they were due. Relay UK (if you cannot hear or speak on the phone): 18001 then 0800 731 0469, Welsh language Relay UK (if you cannot hear or speak on the phone): 18001 then 0800 731 0453. Introduction to the Citizens Advice service, Future of advice: our strategic framework 2019-22, check our advice on problems with getting paid when you’re furloughed, show your employer this guidance from Acas, check if you’ve been paid less than minimum wage, statutory maternity, paternity, shared parental or adoption pay, take steps to get the money your employer owes you, getting all the benefits you’re entitled to, Getting paid less than minimum wage or living wage, you’ve not had any furlough pay yet but think you should have, you think you’ve been paid the wrong amount of furlough pay, whether you’ve been paid for the number of hours you’ve actually worked, if you’ve been paid for overtime, commission or bonus, whether you’ve been paid any sick pay, holiday pay or maternity pay that you were expecting, if your employer has deducted any money that you weren’t expecting, emails from your employer confirming your shifts, deductions you’ve agreed in writing, for things like damaged stock, till shortages, the cost of a uniform or cost of a training course - it might be in your contract or you may have signed a separate agreement, money you’ve been overpaid in previous weeks or months, time you didn’t work because you went on strike, deductions ordered by a court to pay your debts, such as an attachment of earnings order, there’s a written agreement with your employer saying they can take money, you don’t lose any more than 10% of your pay before tax on each payday the deduction is made, your employer has taken the money within 12 months of noticing the shortage, you’re given written details of the deduction on each pay day your employer takes money, payslips showing your employer has taken more than 10% of your pay before tax, a written agreement between you and your employer about how you’d pay back an overpayment, a copy of any relevant company policies, eg the maternity policy, your employment contract, eg the part that says what sick pay you get, you’ve had no explanation for why you haven’t been paid, you’ve heard that suppliers haven’t been paid.
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