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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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Existing pensioner trying to buy extra years
Just spent several hours trying to find a way to buy extra years when already a pensioner. System will not allow me to buy extra years online and directs me to the pension centre for advice. The Pension Centre phone line simply directs me back to the gov website? This seems to be a simple method to make something…
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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?
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NI payment gaps while self employed
Hi I am hoping someone can help. After watching the show on pensions I looked into my pension
shortfall. I have several years showing as not full and that the cost of filling gaps are £824.20
for all of the years that are not full. I am self employed and for many of these years my profits
have been below the £12570…
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Should our accountant have advised me to pay NI?
Hi, when my husband and I started up our new hospitality business (a partnership- so we are self employed) we didn't pay ourselves for the first 5 years. We lived onsite, ate the food there and our cars and phones were paid for by the business. We had a bookkeeper and we took on an accountancy firm to do our end of year…
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How to pay money into a specific NI year?
We've checked online for pension predictions for my wife, and currently her prediction is £190.72 per week as she is short by five non-full NI years. Her current income is below the NI threshold so she won't be adding any more years via work between now and her retirement in seven years. Carer years when my daughter was…
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Voluntary NICs, living abroad, how?
Hi all. Two quick questions if I may. 1. I would like to fill in a few gaps in my NI years because although only in my early 40s I'm living and working abroad down under and likely will be for a few years to come. I'm unable to buy the years online, not sure why. Maybe because I'm living abroad. I need to speak to someone…
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Confused - Forecast shows full state pension, but have less than 35 full years NI
I've checked my state pension forecast to see if there are any gaps that I should fill before the 5 April deadline. I have so far paid 33 full years and there is one year that is not full and I can still top up. However, I'm a bit confused…
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40+ Qualifying years but not a full State Pension
Hi, I am confused and frustrated, and wondered if anyone has experienced the same problem with HMRC. I am currently receiving less than the full state pension and queried this with HMRC. They confirmed that I have in excess of 40 qualifying years, but because I retired early ( 2 years before my official retirement age ), I…
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Martin says one thing about buying NI years, the Government seems to say another
As I understand it, Martin's advice is that buying one missed NI year for around £800 ought to increase our state pensions by approximately £300 per year. However: The Government seems to be telling me that even if I were to buy SIX years (to make my total 35 years) I'd get only about £150 more per year - which would mean…
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Why can't I pay for Voluntary NI contributions online? Option was there previously, now gone!
Just logged into Government Gateway intending to pay online for one year's contributions only to find when I went through the brief questionnaire, I was directed to contact the Future Pension Centre. I previously topped up in 2023 when Martin Lewis highlighted the issue. I have 8 years until I reach pension age and the…
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Should I fill in the missing years?
This discussion was created from comments split from: State pension - on 'Check Your State Pension' - can't make sense of my estimated value.
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39 years contribution but 5 years gap recently...I think my wife is OK for a full pension but.....
I am hoping I am correct but keen for some of your expertise to confirm. My wife has 38 years of full State Pension contribution from 1982. Since 2019 to date she has only one more year of full contributions so in total 39 years of contributions. The forecast shows she would get the full amount and it can't increase. That…
