Q. Prompted by your article about the number of people missing out on grandparents' credit I filled in the claim form for six months’ credits for when I looked after my granddaughter. I spoke to a government state pensions department adviser who said I could probably still claim even though my daughter-in-law is now on maternity leave. He stated it didn't matter that I got the NI credits rather than my daughter-in-law. I would like to know that this will not affect my daughter-in-law in the future please.
A. Steve Webb, director of policy at Royal London replies: The short answer is that as long as your daughter-in-law is on paid maternity leave and earning enough to pay NI contributions, then there is no problem with her signing over her un-needed NI credits to you. However, if she stays on maternity leave beyond the point where she is being paid, then at that point she would probably want to retain the NI credit.
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