-
Guide discussion: Voluntary national insurance contributions
This is the place to discuss our new guide on voluntary national insurance contributions. We'd love to hear your thoughts, personal experiences, and general feedback. If you haven’t already, join the forum to reply. If you aren’t sure how it all works, read our New to Forum? Intro Guide.'
-
If You Have Registered For A Call Back Look Here
There are a couple of messages showing in on line tax accounts and
-
MSE guide: How much state pension will I get?
Some common questions about your state pension forecast are covered in our guide, such as: * What are qualifying NI years and how many do you have? * Why you might get less state pension than you thought * How much state pension will I get? * How can I boost my state pension?
-
Paid gaps in N.I a year ago, still not updated.
I was living abroad in the late 90s til 2010 so I had some NI gaps. After proving I lived in Spain I was allowed to pay 3 missing years which totalled to £450, paid this online then called them at the time in Feb25 and they confirmed payment had been accepted. Just checked and still not updated online a year later?! Is…
-
Contracted out but no effect on new state pension forecast?
Hi, I thought I'd look at the muddy world of my state pension forecast and I'm a little confused. I just hit 60, but I only started a workplace pension in early 2002. My new state pension forecast tells me "Your forecast is £221.20 a week, £961.83 a month, £11,541.90 a year" "£221.20 is the most you can get. You cannot…
-
Not heard from DWP
Hi, I completed the form to pay voluntary NI contributions in March, before the cut off, for my husband. Ive realised that, 10 months on, weve heard absolutely nothing! I understand there's a backlog and a queue but it looks like other people have had some sort of contact to at least acknowledge the request, so just…
-
paid top up contribution but still not allocated
I need some help and advice on what to do next. It is now 78 weeks since I paid the voluntary contribution amount and it still has not been allocated. I have phone regularly - only once could I not get through - each time the customer service personnel made an urgent referral for allocation to be processed. I have made a…
-
Still waiting for a callback to pay voluntary NIC?
Hello, I’m just wondering if anyone else is still waiting for a
callback to pay voluntary National Insurance contributions? I applied back in
March 2025 and got a message to say I was on the list and to await a callback,
but still haven’t heard anything. The website still says “If you used the call back request
form to pay…
-
Voluntary National Insurance contributions
Following MSE advice, I have checked that a couple of years are "not full" according to DWP and I decided to make extra payment. Since I worked abroad during this time, I couldn't do it online, so I requested a call back. They called me in May to confirm and said that my details will be passed to a third party(?) and they…
-
Pension forecast amount going down, not up!
I have been making voluntary Class 3 NI contributions for some time in order to reach a full state pension. The contribution I made last April (2025] is yet to show on my pension forecast and, when I eventually managed to speak to someone at DWP, I was offered an 8 week callback. This was in March 2025. The call did come…
-
National Insurance Contribution top up query
I have a gap in my NI contributions from 2009/2010. I am 41. I can make this payment online today. However, it asks me the following and I wonder if there is any catch in my response. I don't know when I intend to stop paying NI contributions now as that depends on when I stop working really but it will either be when I…
-
Deferred uk pension .now abrad malaysia
Am 78 yrs old. Abroad in malaysia. Worked in uk from 1978 to 1985. Possibly contributed for 5 to 6 years. Just realised maybe entitled to uk pension. On return to malaysia worked full time until aged 70. So is it possible for me to top up to at least 10 yrs. And as am only now trying to start the process at aged 78. Where…
-
Paying NI contribution gaps for time spent working abroad
Hi guys, trying to find some info, searched the forum but haven’t seen anything that relates, so hoping someone can help. I’ve been advised to apply to HMRC as I spent some time working abroad. On the form, I’ve been asked to provide my previous employer directly before I went abroad. Then there’s a box each where I need…
-
Backdating rules for self employed-Class 2
Can those that were self-employed, e.g 2006-2016, fill any gaps needed back to 2006? and pay at the class 2 rate? I have had read other posts and used that information to say i can, but after 3 attempts to put my case HMRC say NO. The last adviser did say a i could write a letter to them but that could take months to get…
-
Voluntary NI contributions cut off 2025
Hi everyone. I am 72 and have been receiving a reduced state pension for 7 years. I am 10 years short on NI contributions due to finishing work to care for my parents at their home for 10 years until they passed away. It was a tough time. I did not claim carers allowance as it was my mum & dad and later the DWP told me…
-
ni contribution top up application made before 5th April 2025 deadline
I am new to this forum. I am sorry to say that I have failed to find a recent thread about applications to top up NI contributions from 2006/07 if made before 5th April 2025. I would be delighted if I could be pointed in the right direction but if not may I ask your help In March 2025 I rang the help line and was told I…
-
Query re Voluntary Class 2 NI and State Pension
Summary of current position as follows: * ceased full time employment in early 2018 * had a few years as a non-tax payer and not completing self assessment (pension in drawdown but only taking amounts to use up remaining allowance) * became aware of the need to do SA for 23/24 as taxable interest would be >£10k * also took…
-
Contracting Out and State Pension Forecast question
I was looking at my State Pension forecast today as I'm 50 next year and I need to get my head around such things. It tells me: You can get your State Pension on May 2043Your forecast is £230.25 a week, £1,001.18 a month, £12,014.12 a year That is if I make a further two years worth of payments. However, later on it tells…
-
Voluntary NI Contributions – What to Expect After Requesting a Callback
This is just a quick update for anyone who registered for a callback from HMRC regarding voluntary National Insurance contributions after the deadline. I spoke to Inland Revenue, and they confirmed the process: * They will attempt to call you three times. So don’t panic if you miss the first call. * Once they reach you,…
-
Voluntary contribution for this year from abroad plus the new ten year rule
I have two questions. I'm British and married to an EU citizen. We lived in the UK for just over a decade before moving to her home country together. We did the voluntary catchup payments to fill in all the missing years whilst they were open and so currently I have 29 years of contributions paid and she has 21 years. I…
-
State Pension Changes / Living Abroad
Hi all, just reading about the changes to the state pension that is planned for next year. perhaps someone can explain to me where I stand. i lived in the UK as a student from 2004-2009 and worked until 2011/2012, before moving back to Europe. Paid back 15 years worth of NI contributions (class 2) a few months ago, under…
-
NI Contribution Callback - Strange Response
My wife had an NI callback a few weeks ago. She first received a text message letting her know to expect the call. However, when the call came the operator said that it was a "customer service" call. All she did was confirm the name, DOB and NI number, then said that there would be another call to address the issue at some…
-
Paying 3 Years National Insurance Contributions
Hi, I have not worked for many years as I lost my job due to Covid, and did two years of Accountancy Qualifications. Last year I was diagnosed with Bowel Cancer, and had two large operations the end of last year and have been suffering health wise since and I am not getting any help from the NHS. I phoned up the DWP about…
