-
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.'
-
NI Top Up Deadline Extended To 5th April 2025
Worthy of a post of its own. Cut off date extended to 5 April 25 and prices held at 2022-23 rates until then. https://www.gov.uk/government/news/deadline-for-voluntary-national-insurance-contributions-extended-to-april-2025
-
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?
-
Will I get any pension at all? Is it worth buying NI contributions for someone living abroad?
Hi, I'm a 53 yo italian guy.I lived and worked in UK from 1999 to 2007 and then back again in 2009.I had 11 qualifying years when I left for good the UK in 2009.Since then I've been living in Spain.I never paid any contributions in Italy and Spain. Only in UK. This is why I opted to buy voluntary NI contributions. At the…
-
National Insurance Contributions for Parents
Hi, I'm hoping someone can help. My partner gave us work 14 years ago to look after our child. Soon, that child was joined by twins and plans to return to work were curtailed by the sheer scale of the childcare costs! We've been been looking at her NI contributions, expecting the worse but the government website shows…
-
Keep paying NI?
Hi. My wife is 61 and has just retired from the
NHS. She has 40 years of paying full Ni
and the gov.uk pension forecast says she will get full state pension when she
reaches the right age (in about 5 or 6 years). But as she is not working now so she is not paying NI any more. Will she need voluntarily pay NI for next 5
or…
-
Can you make voluntary NI contributions once you claim your pension and continue working?
* My dad hits pension age on 6th April 24. * He intends to continue working "until he can't" * He currently has 28 Years of NI contributions. * He is able to purchase 2 years which he will do (£206 Total cost) making it 31 years including the current year. * His forecast at the moment is "if you contribute until 5 April…
-
Will I get the full amount
Hi all and hoping you can put my worried mind at rest, am I correct that going off this I will get my full state pension regardless if I continue to pay NI or not, I'm just unsure about the cope to be fair I don't even know what that is. Thanks in advance [Image removed by Forum Team]
-
How long for voluntary payment by DD to be set up?
I entered full retirement in June this year after several years of semi-retirement that included part time working. So this financial year I paid NI for just 3 months. This is the last financial year I need to pay NI (Year 47) as I can claim my state pension from next July. It is 47 years for me as I was contracted out for…
-
Qualifying Year means what?
Hi I have sat in the "Job Centre" face to face and been told I would get the full state pension. I did checks with a BR19, and got the same result. So the day I began the process to bring my State Pension into payment it was insufficient years for a full amount. I have 42 (forty two) qualifying years, above the required…
-
Additional contributions...Change of Circumstance
I have followed the advice checked my and my wife's years of contribution we both get about £700 per four weeks and have checked and missing about three years for full pension. I managed to get to speak to someone at Pensions and was directed to "change of circumstance" told re re-call which I did and had to wait again…
-
Should I make voluntary contributions?
I having been reading the forum and the helpful comments. I would like to ask if it will be worth me making voluntary contributions to increase my state pension which I have started to receive earlier this year. I will try and give as much information as possible. I was made redundant a couple of years ago and the last…
-
Retiring midway through a qualifying year
I am retiring in November just short of my 52nd birthday and can get an immediate pension. As I am retiring so young I am still around seven qualifying years short of my full state pension, my question for you knowledgable people is this…. Do you have to have earned £242 per week for EVERY week of the financial year to…
-
Viability of Government pant ion in 15/20 year?
I want to top up my state pension but honestly I am concerned that in 15/20 years there will be no state pension. They are spending and have spent so much money to date and I just don't foresee the government having any money left to give us our pensions in the end. You hear of companies not being able to give their…
-
Voluntary contributions or SIPP saving.
Hi thanks for letting me join. I would like other viewpoints on my situation. I'm 48, working full time since 2016 and in a lucky situation of being able to save a lot of my income in that my partner's house is paid for and our only extravagances are a holiday and a couple of UK trips a year. My NI contributions will get…
-
What does this mean?
* 33 years of full contributions * 7 years to contribute before 5 April 2030 * 11 years when you did not contribute enough Does it mean that to get a Full state pension, I need to contribute another 11 years or does it simply mean that I 'could' contribute another 11 years I can get in another 6 until I am 67 years old But…
-
Voluntary national insurance contributions,
Hi all I am short by 6 years contributions, I am self-employed but get state pension in about 1 month,can these years be paid at class 2 price or is it class 3 when state pension age is reached ? Can't seem to find answer to this on goverment gateway.
-
HMRC, State Pension & Top Up
According to the HMRC website, I have 40 years of full NI contributions. However, the same website says I will not receive my full state pension when I retire. Can someone explain why, please?
-
When to pay voluntary contributions?
Like most people suffering massive problems getting through to HMRC I finally got the 18 digit code. (I involved my MP in the end due to fear of missing the deadline after having done everything else humanly possible.)In their apology letter, with the 18 digit code, they also gave me the breakdown on what years to pay…
-
Grandparent NI credits
My NI record shows I have 41 years full contributions but says I am a year short of getting a full pension in 7 years time. I have stopped work but think I can claim for looking after my granddaughter since July 2022 as her parents both work and get family allowance. Can I claim 2022/2023 in October 2023 or do I have to…
-
State Pension Forecast
Hello Your advice is much appreciated. My retirement date is 20th September 2025. Details taken from Gov Gateway site are: Estimate based on NI insurance record up to 5 April 2022: £172.18 per week. Forecast if you contribute until 5 April 2025: £189.65 per week. You can improve your forecast by filling shortfalls in your…
-
Married Womens 1/2 Stamp
My wife was advised to pay into this scheme and as a result, has now got a reduced pension of around £90 per week apparently some of her National Insurance contributions were retrospectively taken away from her because of the reduced contributions, has anyone managed to get those contributions reinstated
-
Paying Voluntary NI Contributions
Hello I am due to receive my state pension in September and have queried making voluntary NI contributions to make up missed/incomplete years. I have received a letter from DWP detailing how much it would cost and the subsequent uplift in my state pension. I then contacted HMRC to arrange for payment and they gave me a…
