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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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Help! HMRC State Pension Topup Callback
Back in May 2025, I was waiting for a callback from HMRC on a Friday, but nobody called until... the following Monday. Not a big deal, I hear you say... but a young lady only asked for my date of birth and national insurance number, and that was it! Forward wind to a few months later as we are all heading into October, and…
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Accessing HMRC site without passport / driving licence
This discussion was created from comments split from: extra national insurance (NI) years.
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Delays for P55 tax refund from HMRC
Hello I took a flexible drawdown pension payment end of June and submitted a P55 first week of July, by post. HMRC's Government Gateway was saying to expect a response within 30 days. To date I have heard nothing regarding a possible refund and when I check for an update it has each time pushed the expected due date back.…
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When paying for NI Top-up, do you have to pay the years separately or in one?
Hi all, I have 10 years of NI I can top up at class 2 - My question is, if I want to pay for all 10, when doing the BACS transfer, do I have to do ten individual payments, or can I just add up the total amount, which amounts to £1228.50, and send this alongside my NI reference / surname/ initial as the payment reference,…
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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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Have I missed something - like a chance to pay outstanding NI
I have been checking my application to pay Class 2 NI for the time that I was out of the country to take advantage of the extension. I first submitted my form in March 2023. I have since submitted a further two identical forms with the same information at their request, the last one in Sept 2024. I have checked 'Check…
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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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Do not follow gov.uk instructions - chase DWP if not heard anything before receiving 1st payment
This thread is to warn others and also obtain any advice for our potential DWP issue that has now arisen. My mum applied to pay backdated NI contributions before the April deadline this year. She received a text from DWP in May advising 'you do not need to contact us'. She spoke to someone from the International Pensions…
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Why is it not possible to pay for any missing state pension year on government gateway web?
I am trying to pay back past years of national insurance contributions. (The 2019-20 year in particular to start with). I have managed to log onto the government gateway state pension forecast online website to see the years I am missing. I was thinking I could pay back any missing year - however I am only presented with…
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National Insurance Contributions
I have just been informed today that stay at home mums only get paid contributions up to 22 years, even if there last child was still under the age of 12, has anyone else had a large family and been told the same
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Retrospectively claiming NI credit for a carer?
My mother is 85 and has a state pension which is roughly 60% of the maximum. She only worked for a few years but did make some voluntary NI payments in the 1990’s both regular and one off to boost the pension. whe cared for her father and brother both of whom had chronic health conditions for many years but despite…
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UK State Pension Top Up Advice Needed
Would really appreciate some advice. I live abroad and
based on my CF83 results I am eligible for class 2 contributions for
7*pre-2016 years and 8*post-2016 years. 2024-2025 pension
estimate is £142.44 Qualifying years =
24 and these are all pre-2016 My COPE is
£54.39 (Thanks for the link molerat) I think my pension…
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Employment & Self-employment NI contributions
Hi there, I'm trying to navigate National Insurance payments as both employed and self-employed. Looking at my 2024-25 self assessment calculation, I wondered if anyone would be able to advise whether I needed to make the voluntary Class 2 payment or not. My employment income was £27k, NI taxed at source. Self-employment…
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State Pension question
My father was born September 12 1960. His State Pension age is 66 years, 6 months, and according to the gov.uk website he’ll reach State Pension age on 12 March 2027. He is originally from Slovakia and came to UK in 2017 and set up his self-employment business in October 2017. When he logs in to see the State Pension…
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2 years of working until I have enough for pension
I am 52 and currently working part time and earning enough to pay full contributions. I have a 4 gap years when I was at uni, a year out back packing and 1 year not full due to son reaching birthday threshold and I was only working 10 hours a week. I can count 31 full years on the history and then these part years but it…
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Retrospective Class 2 contributions
Has anyone else been told that you can't make retrospective Class 2 payments pre-2018? Have you been able to resolve this? Or have you been forced to make Class 3 payments instead? The long story... I have been shuttling back and forth sporadically between DWP and HMRC for the last couple of years trying to sort out my…
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HMRC: Answer to my application to pay Class 2 contributions to buy NI gap is after April's deadline!
Hi MoneySaving Forumers, After reading MSE's pensions-and-retirement pension-wise article (Thank you!), I intend to decide if it is worth filling the gaps in my National Insurance record. In order to do so, I applied to HMRC to pay voluntary Class 2 contributions - as the gaps represent the period whilst I…
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Existing pensioner trying to buy extra years
Just spent several hours trying to find a way to buy extra years when already a pensioner. System will not allow me to buy extra years online and directs me to the pension centre for advice. The Pension Centre phone line simply directs me back to the gov website? This seems to be a simple method to make something…
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HMRC call back wait times
We put a call back request in with HMRC for my husband's national insurance on 20th March 2025 and are still waiting a call back. We received two phone calls from them but just to confirm name and minor details but they said they could not resolve the query and someone will be in contact. How long are the wait times on a…
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Where can I claim NI credits?
Hi, I understand that I may be able to claim NI credits due to a period of unemployment during which I was actively looking for work. I asked at my local Jobcentre and was given a flier with a phone number. I called the number, but unfortunately the person I spoke to was unable to help and did not seem familiar with my…
