-
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…
-
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…
-
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…
-
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…
-
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?
-
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…
-
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…
-
Help me understand my state pension amount
This discussion was created from comments split from: National Insurance Contribution top up query.
-
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…
-
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…
-
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…
-
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…
-
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…
-
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?
-
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…
-
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…
-
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…
-
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…
-
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…
-
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…
