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LEGAL AND FINANCIAL


NEW NATIONAL INSURANCE CREDITS FOR SERVICE SPOUSES AND CIVIL PARTNERS


…to help protect your future State Pension


From 6April 2016, spouses and civil partners of Service personnel have been able to apply for anew type of National Insurance (NI) credit to protect their State Pension.


The new Class 3NIcredits have been introduced in recognition of the fact that accompanying on deployment overseas may have affected aService spouse or civil partner’s ability to work and pay NI contributions.This could potentially result in agap in their NI record and could affect the amount of State Pension they receive in retirement.


The new DWP credits have been taken forward under the Armed Forces Covenant, which states that members of the Armed Forces and their families should receive fair treatment from the nation which they serve. More information about the Armed Forces Covenant can


nsion they receive in retirement. The new DWPcredits have been


taken forward under the Armed Forces Covenant, which states that members of the Armed Forces and their families should receive fair treatment from the nation which they serve. More information about the Armed Forces Covenant can be found at https://www.gov.uk/ government/policies/armed- forces-covenant.


It is estimated that this could benefit up to 20,000 individuals, ensuring that they do not miss out on their


y Michael


e are making sure that military spouses and partners who spend time based overseas get the State


It is estimated that this could benefit up to 20,000 individuals, ensuring that they do not miss out on their State Pension.


Defence SecretaryMichael Fallon said: “Weare making sure that military spouses and partners who spend time based overseas get the State


www.raf-ff.org.uk


Pension they deserve. This is the latest step under the Armed Forces Covenant to ensure that service personnel and their families are treated fairly.”


Am Ieligible to apply for the new credits? Service spouses and civil partners will be eligible to apply for the new Class 3NIcredits if they:





Reach State Pension age on or after 6 April 2016, that means they were born on or after 6April 1953 (if awoman) or 6April 1951 (ifaman); and


• Are or have been married to / in acivil partnership with a member of the Armed Forces; and


• Have accompanied their spouse or civil partner on a deployment outside the UK at any time since 6April 1975; and


• At the time of the posting their spouse or civil partner must have paid, been treated as having paid or been credited with UK National Insurance


widowed, divorced or have had your civil partnership dissolved, provided you were married or in a civil partnership at the time you accompanied your partner abroad.


Some Service spouses or civil partners who meet the above criteria will not have a gap in their NI records and so will not need to apply for the new credits. For example, you may not have a gap if you:





were working in ajob during the accompanied assignment where you paid UK NI


were working in a job during the accompanied assignment where you paid UK NI contributions





were self-employed and paying self-employed Class 2 NI contributions throughout the accompanied assignment


were self-employed and paying self-employed Class 2NI contributions throughout the accompanied assignment


Summer 2016 30


Some Service spouses or civil partners who meet the above criteria will not have agap in their NI records and so will not need to apply for the new credits. For example, you may not have agap if you:


Youcan still apply if you are now widowed, divorced or have had your civil partnership dissolved, provided you were married or in acivil partnership at the time you accompanied your partner abroad.


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