Paying contributions as a married women
If you were married and living in Jersey before 1 April 2001, you can choose to apply for a married woman’s election. This means you can choose whether or not you want to pay contributions.
Choosing not to pay contributions
If you choose not to pay contributions, then:
- your pension will rely on your husband’s contribution record
- your contributory benefits will be affected (contact us to find out more)
- your contributions won’t be deducted from your wages if you work for an employer
- you don’t have to pay Class 2 contributions when you don’t work
Applying for a married woman’s election
You need to:
- collect a 'married woman’s election' form from the Social Security Department (or call us and we’ll send you one)
- complete the form and return it to us, together with your original marriage certificate
- if you have a blue registration card, send it back to us
- tell us if you’re working, or if you intend to work and we’ll send you a red card (the colour of the card tells your employer whether to deduct contributions or not)
If you choose not to pay contributions, you must fully understand how your right to claim benefits may be affected.
Once you have opted out of paying contributions, you can’t opt back in. You will remain on a red card until you reach pension age.
Changes in circumstances
Tell us as soon as possible if you get divorced or separated.
If your marital status changes, you may have to pay contributions as a single person, even if you chose not to pay as a married woman.