Money
State pension error update after 370,000 sent letters – are you owed £7,859?
HMRC has issued a major update concerning hundreds of thousands of women impacted by a huge pension error.
Fresh figures reveal that 370,000 women have been contacted regarding potential underpayments on their state pension, stemming from Home Responsibilities Protection (HRP) errors.
Between January 8 and September 30, 2024, HMRC identified 5,344 cases of underpayment among those who responded to the letters, totalling approximately £42 million in arrears.
These cases were then referred to the Department for Work and Pensions (DWP), which has since issued an average of £7,859 in back payments to the affected individuals.
However, hundreds of thousands more who may be entitled to similar back payments will not receive them unless they take action.
This issue affected individuals who took time off work to care for children or someone with a disability between 1978 and 2010.
The problem arose because child benefit claim forms submitted before 2000 often didn’t include a National Insurance (NI) number, meaning the relevant HRP information wasn’t transferred from the child benefit system to the NI system.
HRP would have added credits that counted towards their state pension, much like NI credits work today.
As a result, thousands missed out on state pension benefits worth an average of over £5,000.
It’s understood that 43,000 of those affected by the historic error are now deceased.
In an effort to locate those who are still alive, HMRC has issued more than a quarter of a million letters to people over pension age with no HRP on their record, encouraging them to submit a claim.
They may then be issued backdated payments, as well as a new monthly income if they’re found to have been affected.
Individuals who receive a letter indicating they may be affected can verify their status by visiting tax.service.gov.uk/guidance/Check-if-you-are-eligible-to-apply-for-Home-Responsibilities-Protection.
You can then apply for any missing HRP credits by visiting gov.uk/guidance/apply-for-home-responsibilities-protection.
An expert recently revealed that more pensioners could be owed cash but have been unable to claim because their letters only explain that they can apply online.
However, if you can’t do that, you can still complete a CF411 form and return it to HMRC by post to add the credits to your record.
You might also be eligible for missing HRP credits if any of the following situations apply to you:
- You were caring for a child while your partner claimed child benefit instead of you.
- You were receiving income support because you were caring for someone who was sick or disabled.
- You were caring for a sick or disabled person who was claiming certain benefits.
If your partner claimed child benefit, you might be able to transfer the HRP credits, but they will need to agree.
For example, if you were a stay-at-home parent and your working partner claimed the child benefit, they can transfer the credits to you.
Your payments will be recalculated if you have missing HRP credits and have already reached state pension age.
Emma Reynolds, minister for Pensions, said: “The government’s priority is to ensure pensioners have security and dignity in retirement.
“I strongly encourage anyone who thinks they are missing out to check their eligibility and apply for Home Responsibilities Protection – taking just a few minutes out of your day now could mean a boost to your retirement.”
This isn’t the only type of state pension underpayment blunder affecting retirees.
STATE PENSION ERRORS
STEVE Webb, partner at LCP and former Pensions Minister, explains what state pension errors are and how they can occur…
The way state pensions are worked out is so complicated that many thousands of people have been paid the wrong amount for years without even realising it.
The amount of retirement pension you get usually depends on your National Insurance (NI) record.
One big source of errors has been cases where NI records have been incorrect, particularly for years spent at home with children.
This is a system known as ‘Home Responsibilities Protection’.
Alternatively, particularly for older pensioners, the amount you get can depend on the NI contributions made by your spouse.
Errors have arisen where the Government has failed to adjust the pensions of married women when their husbands retired or failed to increase pensions when someone was bereaved and lost a husband or wife.
Although the Government has spent years trying to fix these problems, there are still many thousands of people – many of them older women – on the wrong pension.
If you have always thought that your pension seems low, then it is worth contacting the Pensions Service to ask them to check, especially if you spent time at home raising children or if you were widowed and your pension didn’t change when your spouse died.
UPDATE ON OTHER ERRORS
Additional figures show that almost 120,000 women have been short-changed on their state pensions and are owed up to £11,905 each.
This blunder affected married women whose husbands reached pension age before 2008, as well as widows and women over 80.
They were entitled to an ‘enhanced pension‘, which could have boosted their payments by up to 60%, but they didn’t receive it at the time.
Your husband must have turned 65 before March 17, 2008 to qualify.
The DWP has now completed payouts to married women and those over 80.
They’ve paid £250.6million to 45,907 married women, with an average payout of £5,591.
Women over 80 have received £68.2million across 33,437 cases, with an average of £2,202 each.
As of November 2024, the DWP is still issuing payments to widows affected by the issue.
So far, £417.2million has been paid to 39,706 widows, with an average of £11,905 each.
It means that in total, 119,050 women are owed up to £11,905 each from the DWP.
The DWP added that it expects to issue payments owed to all remaining widows by the end of 2024.
How does the state pension work?
AT the moment the current state pension is paid to both men and women from age 66 – but it’s due to rise to 67 by 2028 and 68 by 2046.
The state pension is a recurring payment from the government most Brits start getting when they reach State Pension age.
But not everyone gets the same amount, and you are awarded depending on your National Insurance record.
For most pensioners, it forms only part of their retirement income, as they could have other pots from a workplace pension, earning and savings.
The new state pension is based on people’s National Insurance records.
Workers must have 35 qualifying years of National Insurance to get the maximum amount of the new state pension.
You earn National Insurance qualifying years through work, or by getting credits, for instance when you are looking after children and claiming child benefit.
If you have gaps, you can top up your record by paying in voluntary National Insurance contributions.
To get the old, full basic state pension, you will need 30 years of contributions or credits.
You will need at least 10 years on your NI record to get any state pension.
TRACK DOWN ERRORS
LCP has developed an online tool to help people understand what state pension they are entitled to inherit on top of their own state pension at go.lcp.com/inheritingstatepension.
A tool previously launched by the company to help married women check for underpayments had over one million visits.
The DWP also has a tool to help those receiving the new state pension assess their eligibility for inherited state pension amounts at gov.uk/state-pension-through-partner.
There is also a guide on inheriting or increasing a state pension at gov.uk/new-state-pension/inheriting-or-increasing-state-pension-from-a-spouse-or-civil-partner.
Money
Whoopi Goldberg’s Granddaughters: Amara and Jerzey Dean
Inside Whoopi Goldberg’s Powerful Legacy: Meet Her Trailblazing Granddaughters, Amara and Jerzey Dean.
Meet Whoopi Goldberg’s Granddaughters: All About Amara and Jerzey Dean
Whoopi Goldberg, renowned for her roles in The Color Purple, Sister Act, and Ghost, is celebrated not only as an actor but also as one of only 18 individuals to achieve EGOT status, winning an Emmy, Grammy, Oscar, and Tony. But beyond her groundbreaking career, Goldberg plays a special role as a grandmother to her two granddaughters, Amara and Jerzey Dean.
Goldberg’s journey into motherhood began early; she welcomed her daughter, Alexandra “Alex” Martin Dean, at age 18 after marrying her first husband, Alvin Martin. Alex, in turn, has three children — Amara, Jerzey, and their younger brother Mason — making Goldberg a proud grandmother.
In May 2024, Goldberg released a heartfelt memoir, Bits & Pieces: My Mother, My Brother, and Me, shedding light on her family and the bonds that keep them close. “This book is dedicated to everyone who is just trying to figure out the small stuff as well as the big stuff where you have to be more than you thought you could be,” Goldberg shared upon its release.
Amara Skye Dean, 36
Born on November 13, 1989, in Berkeley, California, Amara Skye Dean is the eldest of Goldberg’s grandchildren and, interestingly, shares a birthday with her famous grandmother. Amara gave birth to her daughter, Charli Rose Burr-Reynaud, in 2014, making Goldberg a great-grandmother. Amara describes her family as tight-knit, with deep connections across generations. “We’re a young family,” she told Essence in 2023. “There’s only five of us in our family. We’re all we’ve got, so we take each other real close.”
Goldberg has always taken an unconventional approach to grandparenthood. Shortly after Charli’s birth, she joked about the experience on The Tonight Show, saying, “I wasn’t your normal grandmother, and I’m not going to be your normal great-grandmother either. She better call me Whoopi.”
In 2023, Amara appeared on the reality show Claim to Fame, where celebrity relatives compete to keep their identities under wraps. With Goldberg’s blessing and a piece of cheeky advice to “be a strong b—-,” Amara took on the challenge, even revealing a humorous family tidbit: Goldberg’s nickname “Whoopi” originated from her love for whoopee cushions. She shared one of her favorite stories involving Goldberg, Robin Williams, and Billy Crystal in a playful “fart war” in an elevator, a testament to her grandmother’s lighthearted spirit.
Jerzey Kennedy Dean, 28
Born on February 7, 1996, Jerzey is Goldberg’s younger granddaughter, and the two have shared a strong bond from the beginning. Known for her stylish flair, Jerzey often appeared in the front row of high-profile fashion shows alongside Goldberg. Today, she has carved out her own path as a fashion designer, launching her own label, Jerzey Kennedy Designs, an upscale athleisure brand based in Los Angeles and New York.
Jerzey has often spoken about her grandmother’s influence, especially Goldberg’s commitment to instilling a strong work ethic. Goldberg, who rose from humble beginnings to A-list fame, has always wanted her family to be independent. “She wants us to be real people. Stuff is not just handed to us. It could be, but it’s not,” Amara shared in 2023.
Both granddaughters have taken Goldberg’s lessons to heart, working hard to establish themselves outside her shadow. “I just want people to know that I really worked hard for my position and the stuff that I did,” Amara noted. “I did a lot without my grandmother’s help. But the fact that she’s there to give me the help, you know, I don’t want to run it up. I want to do what I can do.”
With Goldberg’s unique blend of love, humor, and guidance, Amara and Jerzey continue to forge their own identities, creating a legacy that intertwines with their grandmother’s but remains distinctly their own.
Money
Openwork boss leaves ‘with immediate effect’
Openwork Partnership chief executive Richard Houghton has left his role with “immediate effect”.
In an internal memo, Philip Howell confirmed he has resumed his role of CEO on an interim basis until a permanent replacement is found.
Meanwhile, Duncan Crocker will take on the role of chair.
The group said it will begin the process of recruiting a new CEO shortly.
Houghton joined Openwork as chief financial officer in July 2020, after a stint as interim CFO.
He began his career in audit, corporate recovery and corporate finance with Deloitte before leaving practice to join the financial services industry.
For nearly a decade, from 1998 to 2007, Houghton worked for the Royal Bank of Scotland Group, serving latterly as chief operating officer for RBS Insurance.
Between 2007 and 2012 he served as group chief finance officer at Aspen Insurance Holdings before joining RSA Insurance Group in 2012 as group chief financial officer.
From 2016 to 2017 he served as interim CFO at Co-operative Insurance and held the same position at Hyperion Insurance Group throughout 2019.
He is also an experienced non-executive director, having served as chair of the audit committee at Standard Life Assurance Ltd between 2017 and 2018, and on the Phoenix Life boards from 2018 to 2019.
The news of his departure follows last month’s announcement by Openwork that it had secured investment from global private investment firm Bain Capital.
In 2023, Openwork announced its intention to seek a minority investor to support its growth plans.
“With Bain Capital as our new partners, we are entering an exciting new era for Openwork,” the memo said.
“We are now commencing detailed planning for our inaugural year together which we look forward to sharing with you at the conference in January and on all colleague briefings.”
A spokesperson for Openwork has confirmed the changes in CEO and chair – and said there will be no further comments at this time.
Money
Lidl’s Coca-Cola truck rival to hit roads in HOURS – giving away free ‘mystery boxes’ with middle aisle must-haves
IN just a few hours Lidl’s version of the Coca-Cola truck takes to the roads to spread festive joy and give away free gifts.
The discount retailer launched its rival to the iconic red Christmas truck this year for the very first time.
Lidl‘s Freeway cola truck will begin its tour of Great Britain on Thursday.
The festive tour will see the truck visit nine different cities until December 1.
Tomorrow, the lit-up red lorry will pull into Dundee and the fun will begin at midday, ending at 6 pm.
The timings stay the same for all locations.
People who are lucky enough to spot the red truck will find that 2,000 mystery present boxes will be given out.
Each box contains several items from Lidl’s famous “middle aisle.”
However, it is on a first-come-first-serve basis so you must hurry to grab one.
As an extra treat, Lidl has ensured that one in 10 of the boxes contains a “Golden Ticket” as well as the middle aisle freebies.
This ticket will be a coupon worth £100 that can be redeemed on the Lidl Plus app.
Visitors will also find that Lidl will be handing out festive food and even granting wishes.
The supermarket chain said visitors to the truck can also make a “wish” for something they want this Christmas, with the retailer granting a number of them.
The full list of locations the truck will visit, and the dates it will arrive there are as follows:
- Dundee – November 14
- Harrogate – November 16
- Hull – November 17
- Nottingham – November 21
- Wolverhampton – November 23
- Wrexham – November 24
- Luton – November 28
- Bournemouth – November 30
- Southampton – December 1
As Lidl hopes to “highlight the magic of giving, sharing and wish-making this Christmas with a pop-up wonderland at each stop,” Coca-Cola has also detailed some of the plans for its truck this year.
Why is the Coca-Cola truck famous?
The Coca-Cola Christmas truck was first seen in the brand’s hugely popular 1995 advert.
At the time they were known as Christmas Caravans and were decorated with images of the Coca‑Cola Santa by artist Haddon Sundblom.
The 60-second clip features the now-iconic Holidays Are Coming song, which is still synonymous with Coca-Cola to this day.
The truck began touring the US in 2001 but didn’t start visiting the UK until 2010.
The drinks company confirmed the return of the iconic truck last week promising that the tour this year will be “bigger and better than ever.”
Visitors will be able to take part in festive games and a lucky dip which will give them the chance to win exclusive Coca-Cola merchandise.
A food truck will serve up seasonal food and ice-cold Coca-Cola Zero Sugar drinks.
The exact dates and locations have not yet been released as Coca-Cola urges fans to keep their eyes out for updates on its Instagram and X pages.
Last year, the truck visited some of the UK’s most major cities including Glasgow, Edinburgh, Liverpool and Manchester.
It started on November 23 and ended on December 3, so the wait should not be too long.
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