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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?
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HMRC still checking
Just listened to Martin’s podcast. I have checked my NI statement to assess if I have gaps. I do, but when clicking to get more details on the years 2006 - 2019 I get this message. If I decide to pay a voluntary top up before the deadline of 5 April, how can I do it if the info isn’t there on these years by that date? Has…
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Is it worth paying missing NI contributions
Looking at my NI contributions I have full years 1986/7-2018/19, 2023/24 and this year. When I look at how much needs paying to make it up to a full year it is: 2019/20 £95.10 2020/21 £382.50 2021/22 £462 2022/23 £158.50 A total of £1098.10 Howvever, checking my pension forecast it is showing that I will get the maximum of…
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Help me understand my state pension amount
This discussion was created from comments split from: National Insurance Contribution top up query.
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Topping up State Pension while living abroad
My retirement date is in 2026 and I have been travelling and living abroad since 2006. During that time I have not been working, although I remain registered for tax in the UK and occasionally pay it on bank interest. My online pension statement says I have 18 payable gaps totalling £14,866. My current basic state pension…
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Voluntary contributions required when working in the EU?
Hi there, does anyone have any experience in dealing with NI Contributions for a period when you were working overseas, specifically in the Netherlands. Between 2007 - 2012 I was working in the Netherlands and paid AOW - the Dutch version of NI. I was under the impression that given there is a Social Security Agreement…
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Credits during maternity - transfer?
Hey guys, I was about to make a claim to transfer the National Insurance Credits my wife has got from having Child Benefit, from her tax account to mine, attempting to go for 06-04-21 to present date, well, 05/04/24 to be complete tax years. She's been in full time employment the whole time, however, in 2022 she was on…
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National Insurance Gaps
Hi I have four 'Year is not full' on my national insurance as I left work to be a stay at home parent after my second child. I was delayed in registering for child benefit on both my older children as I knew I wasn't eligible to receive the monetary payments but naively did not realise I needed it claim the national…
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Do I need to pay for missing years? Waiting for call from HMRC
Hello everyone. I’ve Paid since 2001. My age of retirement will be 2045. Eligible 23 years SO FAR (excluding 2025) 5 Missing years I didn’t pay (2015-2020) HMRC states in my online account that I Need to contribute 12 more years in the next 20 to get full state pension of £221.20 a week. Why is it stating that I need to…
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Missing National Insurance Contributions
Hello I have 1 year missing Nat Ins contributions and this was the year I gave up my job to care for my mum who had dementia. I was not a paid carer and she didn’t get an allowance apart from Pension Credit. Would I be eligible to claim for the gap?
