Pension Credit has been the benefit for those, in a couple, when the oldest member has reached 60. Most recently that age has been rising as the QASPC, (Kwasp -See) – Qualifying Age for State Pension Credit, rules come into force.
Now it will not be payable until the youngest person reaches QASPC.
As the explanatory notes to the bill say:
a member of a couple who has attained the qualifying age for state pension credit may not receive state pension credit if the other member of the couple has not attained that qualifying age. This is to ensure that all claimants who have not attained the qualifying age for state pension credit are required to claim universal credit and, if appropriate, be subject to work-related conditions of entitlement.
So, if you have a younger partner, you are going to stay on the lower rates that under QASPC benefits offer.
Research shows that age gaps in marriage are quite diverse, and the most common age differences are not very frequent. In 2001 the most common age gap of 1 year occurred in just one tenth of all marriages, half of all gaps were in the range –1 to 6 years and three quarters were between –4 and +8 years.
The figure is derived, somewhat traditionally, by subtracting the wife’s age from the husband’s. So minus figures mean a wife who’s older than her husband.
There are 2.6 Years average age difference between spouses, allowing, presumably for older wives, we should expect the real differences to be larger
The lost benefit from this change, in the simplest form, is, in current figures:
JSA Rate couple PC rate couple Difference Annual
£102.75 £202.40 £99.65 £5,181.80
So, the 2.6 years total loss is £13,472.68
I can see a worse-off calculation and campaign here. Should someone finish work and claim Pension Credit while the current ‘older claimant rule’ is in force or continue earning and get hit by the ‘younger claimant rule’? Is this ‘family focussed’ government going to find that it’s encouraging divorce and separation?