Woman boosts her state pension by £2,500 A YEAR after reading a Moneywise article

22 October 2019

Pam Neumann from South Wales was able to recover £2,500 per year owed to her by DWP after she read a Moneywise news story


The article was about a little-known special concession for women who paid ‘married woman’s stamp’ at any time in the last 35 years.

After reading Moneywise’s article, Mrs Neumann contacts the Pensions Service with her query, but was rebuffed.

“I was quite excited to read your recent article “Newly-retired women urged to check their state pension for little-known boost worth thousands,” she says.

“I am a married woman aged 66 and have paid the married woman’s stamp for the majority of my 38-year working life.

“I fall within the new state pension scheme and receive £28.90 per week. My husband is in receipt of a full state pension.”

But when Mrs Neumann spoke to the Pension Service they appeared none-the-wiser to the issue.

“l contacted the Pension Service and referred to the fact that the new state pension system has a special concession for women who paid the ‘married woman’s stamp’ at any time in the last 35 years.

“Before I had a chance to ask if they could check to see if I was entitled to a higher pension, I was informed that they had no knowledge of this and would not be able to act upon it without instructions from above,” she says.

Instead, Mrs Neumann’s husband turned sleuth and got in touch with Steve Webb, director of policy at Royal London and former pensions minister, who had provided the initial insight on married woman’s stamp to Moneywise.

Mr Webb contacted the Department for Work and Pensions (DWP) about the Neumann’s issue, and just a week later the couple received a letter from the government department confirming Mrs Neumann’s weekly pension would be increased to £78 per week – some £2,600 extra per year.

This could amount to tens of thousands of pounds extra over her retirement. 

Mrs Neumann will also receive a £600 lump-sum payment to make up for the payments she should have already received. 

A DWP spokesperson says: “An administrative error, for which we have apologised to the customer and corrected swiftly, meant that she wasn’t awarded transitional state pension from July to which she was entitled.

“We have written to the customer with details of her new state pension and the arrears which she will be paid. Our review of this case did not suggest that other customers in similar circumstances have been affected.”

However, Mr Webb is urging more women to check their entitlement with DWP if they believe they paid the stamp. He is also calling on DWP to review the situation, in the belief that many more women could be out there unable to benefit from the concession.

Mr Webb has confirmed to Moneywise his intention to write to the current pensions minister, Guy Opperman MP, to ask for a systematic review.

Mr Webb says: “It is great news that Mrs Neumann will now receive the pension to which she was entitled. But you have to ask what would have happened if the family had never seen this story, and how many other people are missing out?  

“The government needs to do a more systematic investigation to make sure that there are not thousands of other people out there who are also being under-paid.”


Pension age

Why should I be surprised? The Inland Revenue are on par with this shower. Our accountant had inside knowledge from a colleague who was a turncoat. It makes one wonder how the hell this country actually operates. Perhaps it doesn't...

Banks Stop PO service

Banks want monopoly of all money transactions & cash will be phased out
They will then charge for use of their services. They will have total monopoly
of all income paid into our accounts-salary, pensions etc ALL income paid into our accounts & will make charge for handling. There are no regulations to stop them doing this

Contracting bank/building society interest rates

The most appalling and punishing strategy of banks and building societies is using savers' money to invest and make their executives huge bonuses, salaries, perks, expenses while the people who provide the money in the first place (savers) are left with the crumbs - if they are lucky. On a FlexSaver "savings" account with a balance of £4,000 which started with an interest rate of about 1.5% AER p.a. I have earned £25 one year then £12 the next after an interest rate cut and have been informed this week that the interest rate would be going down AGAIN to 0.30%! I wrote a rather robust remark on the bank/building society's Feedback forum but have little hope of them taking much notice. Instead they have come out with a new kind of Members' Bond at 30% AER for savings of less than £9,999.
My remarks, if I remember right, went along the lines of the monkeys at the top of the tree feeding off of the fruits of the labours of savers and leaving mere peanuts for those who really deserve more - the people whose money is utilised for the exorbitant pay of the executives of banks/building societies!!!

Ethical banks

I agree with JanetTT above, and would add that when you money is paid into a bank the bank may use it to finance things that you disagree with or are harmful to society's and people's and the environment, manufacturing of weapon, fossil fuels, I've switched to a bank that has positive ethical values that aims to respect the environment and enhance the lives of communities.
There are several ethical banks and building societies available.


I worked for Local Government for 34ys we were opted out of serps without much information given and not given the option to opt back in. This is now costing me £46 per week from my state pension giving me less pension than someone who may never have worked. I also had to work until I was 62.5 before I could retire. I have also been told by some of the younger generation that older people shouldn't get state pension because the younger generation need it more.

In reply to by Sandra O'Neill (not verified)


My husband got told they had to opt out when the shipyard he worked in brought in a pension (shipyard was state owned), he gets less than £150 per month, he retired over 7 years ago, and that is taken off his state pension so all he gats is a basic pension we get no benefit because I work and we saved all our working life fuming doesn’t cover it, those who have never worked get everything

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