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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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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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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 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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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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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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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,…
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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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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…
