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Abroad and confused
Hi all, Really hoping someone can help me. I saw the news about filling in the state pension and looked into it. At the moment my record shows that I can get my state pension of £221 per week by 2055. However when I look at my record I have 6 full years only (2010-6) and gaps from 2006-10 (university) and then from…
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Obtaining arrears of pension after retirement age
Hello folks, My wife and I are submitting the requested information and form IPC BR1 GOV NSP. She is 67.5 and I am 66.5, so we are owed arrears from when we were eligible to claim SP. Does anyone know if: * a lump sum is paid for these arrears? * Or do they limit arrears to 12 months from a certain point? * Or do they…
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State pension forecast and missing years – Should I pay the shortfall?
I’m trying to understand my State Pension situation and what happens if I stop working early. I have 27 full years of National Insurance contributions and two not full years (2017-18 and 2018-19) by this April 2025, and my State Pension forecast currently shows £221.20 per week. My retirement age is in 2039, but if I…
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Taking early retirement - how to get maximum pension?
My wife has taken early retirement this month, and won't get her state pension until 2037 (12 years from now). Her current projected pension for 2037 is £158 a week, a current shortfall against full pension (£221) of £73 a week. Can she continue to make National Insurance contributions to increase her pension, even though…
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Is there an age limit for paying voluntary NI contributions please?
Hello folks, First post here :-) Situation: my wife is 66 and has written to the pensions peeps asking for her pension (SP) to be paid & to be able to pay voluntary NI contributions. No SP received yet. But... they wrote that she cannot pay voluntary NI contributions. [Presumably as she has now reached retirement age?] I…
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Are Voluntary Contributions Tax Deductible? i.e. can I ask for Income Tax Refund on Vol Contr?
If I am working and paying Income Tax and I make the Voluntary Contributions to fill in some Gap years, let's say I am in the 20% tax bracket and pay £1000 for missing years, shouldn't I be owed £200 as tax refund. After all Contribution on the pay slip are before Income Tax and when I receive my pension I will be taxed.…
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National Insurance number- maiden name. Won’t link with gov gateway no
Hi. Can anybody help me please? Im going round in circles! I’m keen to check my national insurance contributions before the upcoming deadline. Went online to check and it turns out my NI number is in my maiden name (got married 8 years ago!) but my government gateway number is under my married name. I’ve tried using their…
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Topping up NI contributions – lived abroad for 20 years
Hello! This will be a long post as I will try to get as much detail in as I can. But in short: I live abroad and would like to contribute enough to earn a full UK state pension, but am stuck between contacting HMRC and the DWP for information on exactly how much I need to pay back. I am 44 years old, and have lived outside…
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Questions about paying voluntary contributions from abroad and perhaps topping up previous years
I was hoping someone would be able to help me. I am hoping to fill in a CF83 to start paying voluntary Class 2 contributions, and I’m wondering whether I also should be topping up a couple of previous years that are incomplete? I have called the Future Pension Centre and have requested a call back but I am not convinced…
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Missing NI Credits
My Mum is a school cleaner that works 39 weeks of the year is paid for 43 weeks with holiday. The school spreads this over the year and pays her monthly. she has always earned enough each week for the national insurance credits, we were expecting that she would have to pay for a few weeks each tax year to top up her state…
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NI gaps, state pension, PhD graduate
Hi, So I’m 30 at the moment and I’ve worked for and paid NI for about 2.5 years. I know that I need 35 years of NI contributions for a full state pension. I’ve been in education until the end of 2021, when I was 26. If I plan to retire at 60, that means I would have to pay every single year from 25yo onwards. So should I…
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State Pension Help Please
Hi everyone, I am new to this forum and after watching Martin's programme on the 4th March regarding the state pension I decided to dig a bit deeper and look at my National Insurance statement. Up until now I had only looked at the forecast which told me I was on track for the full pension, £221.20 currently. It has come…
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Contracted out, I am so very confused!
I am only early 40s, worked since 1998 and have not paid any attention to pensions except for paying into my DB LGPS pension since 2009. I have absolutely no recollection of anything pension-wise prior to that (hangs head in shame). I have been checking my state pension forecast and have full years every year. Some have…
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Voluntary Contributions - Gaps 2006 to now, paying initially only 2006 to 2018 possible?
Hallo Forum, As I understand it you can always(?) fill gaps in the last 6 tax years, even after the 5th April 2025 (please correct me if I am wrong). If gaps from 2006/2007 to 2024/2025 are permitted to be filled, is it possible to pay just the gaps that will no longer be accepted after 5th April 2025, i.e.: just 2006/2007…
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Paying for NI gaps online via HMRC
Can anyone please help me understand why missing NI years not grouped together in date order for online payment options. My wife has 11 different options for voluntary NI payments (available till 5th April 2025) at a range of different costs but there is not an option to pick your own missing years. I dont understand why…
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National Insurance Credits: Retrospective Child Benefit Claim
Looking for some help on retrospectively claiming child benefit national insurance credits: I did not claim child benefit for the 5/6 years while staying at home to look after my children. This was on the understanding that I was not eligible as my husband earned over the threshold amount. I now realise this meant I did…
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Unable to work - missing years
Hi everyone, Was diagnosed with Primary Progressive MS which has really affected my ability to walk. Back in 2014 to 2018, most jobs required me to be in the office in London (I live in Cambridgeshire so train, tube, etc) which was practically impossible as my mobility was getting worse.. so I didn't work. Since COVID, and…
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Deferred pension impact on gap top up
I’ve already deferred my state pension for 5 years, which has increased it by around 29%. I’ve now realized that I have a National Insurance (NI) gap of 10 years, and it will cost me about £8k to fill these gaps. I understand that filling the gaps will increase my state pension by approximately £3k per year, which seems…
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Gaps in National insurance contributions.
I have 26 full years national insurance contributions up to 2006. My estimate as of 5th April 2024 is £170.23 and my forecast if I continue to contribute is £214.47 at 5th April 2031 and the most that I can increase by is £221.20 I will get two more full years for 2024/2025 and 2025/2026 after which I will retire early. I…
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National insurance buyback question
I’ve just checked my records and it says “full year” against every year. Is that all I need it to say?
