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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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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…
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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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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…
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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…
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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…
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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…
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Class 2 / Class 3 payment sanity check
I am based abroad and according to the forecast I need to contribute another 15 years before April 2040 to get the full state pension. I had submitted a CF83 form last year to apply for Class 2 contributions. I called up HMRC today and I was told that more than 2 weeks ago, they had sent me a letter with a list of tax…
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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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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…
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Call back confusion - how long do we wait?
Here's the story so far. My wife registered for a call back. Eventually, about a month ago, she received the text message saying they'd call the next day. Of course, that didn't happen. Then about two weeks ago, she got a call from a "triage" handler asking for NIN and DoB. The handler said she should expect a call back to…
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National Insurance credits while not working
Hi Everyone Some advice if you can. I ran my own business and have now stopped working and closed the business. I am not drawing a pension and am livinig from savings currently. I have three more years to fill for a full NI record to max the state pension. Can I gain credits for the next 3 years as I am not earning and am…
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National insurance Gaps v pension received at retirement age
I have used the forecaster which shows I have 4 Ni gaps as I stopped working, I was looking to make up these gaps. However I have another 5 years before the state pension age does this mean I have pay these 5 years to keep my pension at its maximum or by not paying would the weekly amount start to reduce even though i have…
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STATE PENSION FORECAST ERRORS
In May 2023 as a result of MSE advice my wife contacted Department of Works and Pension to seek an estimate and maybe pay for the outstanding years contributions to be able to received full pension which at that time would have been £185:15, this was due to the then proposed cut off date of 31st July 2023 for such…
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Will I lose N.I. Credits if I transfer Home Responsibilities Protection to wife?
My wife recently received a letter from HM Revenue saying that she may be eligible for Home Responsibilities Protection which is currently not reflected on her N.I. record. She has never worked but from 2000 to 2010 we brought up children together with child benefit being claimed in my name.In this circumstance I…
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Conflicting information from Future Pensions and HMRC
I hadn't ever thought that topping up my many missing years was remotely affordable, because a year costs over 800 quid (more than I'd actually ever made in a year...) until I read on here that there was a much lower self employed version (£100-170, depending on the year that was missing). So I FINALLY got my callback from…
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What date can pay my 25-26 voluntary ni contribution?
What is the earliest date they allow me to pay my 25-26 voluntary ni contribution?
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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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Accessing HMRC site without passport / driving licence
This discussion was created from comments split from: extra national insurance (NI) years.
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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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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,…
