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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.'
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If You Have Registered For A Call Back Look Here
There are a couple of messages showing in on line tax accounts and
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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?
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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…
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Backdated National Insurance Contributions
My husband had his call back at end of April. We were waiting for a second call and were unable to contact them. However 2 days ago my husband received a letter with his payment options and advised of amount depending on contributions paid. The letter states that the Inland Revenue will make a decision when we contact them…
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How long before your state pension increase actually comes through?
Went through the process, got the 16 digit reference, paid the amount stated on our letter in mid April. Checked online and saw that the missing years now show as full year. As we're nearly 4 months on I have called twice now wondering when I'll actually see an increase in my state pension but am fobbed off with 'we're…
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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,…
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Conflicting State Pension Forecasts
Hi all, I recently sent off for an updated pension forecast, I'm very confused as this is now showing that I will be short of receiving a full SP. However when I sent for a forecast in 2023 it showed that I was on track. Please see below the exact figures as presented on my two forecasts. I received my 1st forecast on the…
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NI Top Up Contributions: Computer Says "NO" (not needed), but mysterious reason why!
I’m an Irish national (Rep. of Ireland), and have lived in the UK since 1987, when I came here to study, before starting working here (and contributing Full Years to NI in 1989-1990 and every year subsequently until 2020-2021). When I was lucky enough to be able to retire, just before my 61st birthday in 2022, I checked my…
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Don't Lose Hope
I got my initial call from DWP on 17 April and was told I'd be hearing from "the experts" in the next "one to two weeks". Today (16 July) a letter arrived dated 11 July with details about the amount and process for topping up my State Pension. It's a bit outside the "one to two weeks" window, but at least I now have it.…
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Home Responsibilities Protection
After sending off the forms, received notice from Disabilities Directorate, that if anyone passes away while receiving Disability Living Allowance, they get rid of any records, our daughter while claiming DLA passed away in 2015. So we cannot get the records we want to help us.. where do we go from here.. Thanks
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Gov.UK - National Insurance record and State Pension forecast
Hello I'm a little confused by the Gov.UK site, so hoping someone can advise me. My husband and I both retired March 2023. My husband's National Insurance record full qualifying years show as 44 and mine show as 43 years. We are both showing State Pension forecasts of £230.25 pw and that these forecasts cannot be improved.…
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DWP/HMRC didn't call
Hi, I received a text message yesterday (Sunday) saying I would get a call from DWP today (Monday) between 8am and 6pm regarding buying NI contributions. There has been no phone call. Has anyone else had this happen? Might I get a call tomorrow? Is there any (worthwhile) complaints process? Thanks, Wag
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Did I top up years when I should have got Home Responsibilities Protection?
I found a letter from the Inland Revenue dated back in 2004 which summarises my NI contributions from 1996 to 2002. It suggests that in 5 of those 6 years I had a shortfall as I only worked sporadically in those years. I was definitely receiving Child Benefit in those years as my first child was born in 1990 and my second…
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How to pay specific years of voluntary NICs
Hello everyone, I lived abroad for a few years and have requested to pay voluntary contributions to obtain a full state pension when I reach pension age in just under ten years. I applied before the cut off date and have received an offer to pay a mix of class 3 and class 2 contributions for each the 11 years where my…
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HMRC letter says I tried to pay Class 3 (voluntary) contributions - I DIDN'T!
Received a letter from HMRC dated 04/07/25 saying "Our records show you recently tried to pay Class 3 (voluntary) NI contributions for the tax years 2006-2021. You couldn't make these payments because of a service problem we had on 5 April 2025." Whilst I may well have been looking at my NI/Tax accounts online at some…
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National Insurance Contributions - Has anyone actually got through to speak with Future Pensions?
Hello. I realise this may have been raised already (by many!) but has anyone managed to speak with someone about purchasing missing gaps in their National Insurance? I registered for a call back in March - received two "robotic sounding" phone calls during April and May asking for my DOB and National Insurance number - was…
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confirm some details on SP please!
OK so I'm checking the pension forecast for him indoors who is set to receive his starting in November. There are gaps and we won't be plugging most of those but there is one I'm considering. It's for 2022-23 where they want £284 to top up the year. Now am I right in assuming that because 22-23 isn't full there's no credit…
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Time from payment to account being credited
Just in case this is helpful to anyone......but I appreciate I am a straight forward case I am due to get my state pension in January. I was 2 years short on my NI contributions and the only years missing for me were 2022/23 and 2023/24. I was able to go through the whole payment process online and I was given the choice…
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Pension on benefits
Im currently on UC due to illness, im 59. I don't have a private pension and neither does my partner. If we were able to pay regularly into some type of pension, could we? Obviously it wouldn't be a lot. Advice please......tia
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Voluntary National Insurance Contributions
My wife made a voluntary NI contribution back in April in order to increase her State Pension but apart from an initial acknowledgment that the monies were received she has heard nothing since. She has been in receipt of the State Pension since she turned 66 last year. Has anyone had experience of how long this should take…
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Current payment processing backlog
We paid several years contributions a week before the April deadline. We have checked with HMRC and they have definitely received the money. All we need now is for them to process the payment and allocate it to the appropriate years. There is a backlog however. I saw a HMRC forum post from a couple of months ago that…
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I'm calling the Future Pensions Centre and the call keeps getting dropped.
After a few mins of recorded info, I am asked to 'choose from the following options' but then no options are given; just dead air. Call drops after a few more minutes. I called again and tried some random number as option choices but it still is dropped. There is no other way to discuss my buy back options. I know they are…
