-
NI Top Up - Jersey, Channel Islands
Hi everyone. I am trying to find out if I need to top up my NI for a missing year 2016-17. I was on low income that year, hence not paying in. My forecast, however, says that I will receive the full amount. But when I go through the HRMC apps questions, it asks about working abroad in the last 18 years. I wasn't abroad in…
-
Contracted out but no effect on new state pension forecast?
Hi, I thought I'd look at the muddy world of my state pension forecast and I'm a little confused. I just hit 60, but I only started a workplace pension in early 2002. My new state pension forecast tells me "Your forecast is £221.20 a week, £961.83 a month, £11,541.90 a year" "£221.20 is the most you can get. You cannot…
-
Pension Forecast of £221.48
Got a forecast from the government website of £221.48. This is not the standard £221.20 or that amount plus 4.1% April increase. I can’t find any reference to that amount when googling. I know it’s only pence but I’m concerned if this amount is incorrect, is the rest of the info? Sorry if in wrong forum - I’m new 😀 Any…
-
Future Pension Centre Calling Back within 8 weeks
I phoned the Future Pension Centre earlier, I was told that they would call me back within 8 weeks! I mentioned that if it takes 8 weeks that will be later than the 5th April 2025 deadline for topping up. I was told that as my call was registered today, I will still be able to top up even if they don't get back to me until…
-
Mature Student Pension Credit
Thanks to Martin I've just found that I can buy 5 years of National Insurance credits from 2010 to 2015. I've sent away the email to hold my place in the queue and get a call back. I'm 73 now but was a mature student during those years when I was aged 59 to 64. Will I have to pay the full amount of around £4,000 or can I…
-
Pension boost deadline - forecast greater than the max?
Clearly clearly stated that the maximum weekly pension is £221, you cannot get more. But I checked mine and it says £227! Nice little extra but how can that be?
-
12 years of gaps but still Government Gateway say I'm on for full amount
Hi, I have quite a complicated situation with my state pension. I'm considering topping up the gaps but apparently i *can't* improve my situation. I'm 41 currently, and was unemployed and living off savings for 12 years, not claiming benefits in this time from 2009 to 2020. Years 2009 to 2020 will each cost me the full…
-
Before I paid 7xVC's 2016/thru23, I had 36 full yrs. 2011/thru2016 are still gaps. Why can't I fill?
My nSP at current rates has been quoted to me as £216.62pw, so I am now around £4.50 short of maximum nSP. I do not understand why I have multiple times without explanation been told by DWP that I cannot improve further by paying for example just one more year. Can anyone decipher for me, given the data in the title, why…
-
Am I understanding this?
I took early retirement in 2013 aged 58 and lived on my company pension until 2021 when I was 66. I now receive state pension of £172.63/week (£8,876.76/year). Is it correct that making up years pre-2016 gives a lower annual benefit than post-2016? I can afford to pay all years (cost £5,455.50), or I debated topping up 5…
-
On-line payment for additional NI contributions
Hi, I know we've left it late but, in theory, there is still time to make additional NI contributions :) This is for my wife who is 62 and has a shortfall of 5yrs to get the full state pension. I've looked into her NI record and she has a number of 'Year is not Full' statements between the qualifying years (2006-2017).…
-
Topping Up NI
I have checked my NI contributions on the Government Gateway. I have numerous years that say "Year is not full". When I click on View Details I get the following message consistently "We are checking this year to see if it counts towards your pension. We’ll update your record when this is finished, you do not need to do…
-
Obtaining the infamous 18-digit payment reference from HMRC??
Hi All I am trying to get hold of the HMRC to obtain the obligatory 18-digit payment reference to enable me to pay voluntary NI contributions before the due date in a few weeks. I cannot get through by phone - it keeps just referring people to use their "digital assistant" on the Gov. website. I had already tried that, but…
-
Confused about buying Pre 2016 and Post 2016 years
I'm a little confused as when reading on here I keep seeing that purchasing pre 2016 years gets slightly less pension than post 2016. I'm a few years short of full pension and every option I've been offered (combinations of pre and post 2016 years) works out at £6.32 extra per week. Am I missing something? Please can…
-
LIVED IN GERMANY FOR 30 YEARS
I went to live in Germany for 30 years, returning to the UK in 2011. I lived and worked in Germany, marrying a German and having 4 children, that are all now adults with heir own families. I contacted HMRC in 2023 regarding making up any shortfall in NICs for when I reach state retirement in February next year (2026). They…
-
Pension forecast Gov website
I am not working and rely on private income from pension and savings. My pension forecast shows I will qualify for £221 - the most you can get, when i reach retirement age in 5 years (even though it shows that in 2018/2019 I didn’t pay full contribution that year). My question is, I noticed that it also says that as I was…
-
Entitlement
My husband is from Spain, he came to the UK in 2000 and has worked ever since. When he retires, he will have paid 33 years worth of national insurance contributions. As you need 35 qualifying years for a full state pension, will he be able to buy back the missing two years?
-
Year Not Full National Insurance Gap
Hi, I’m really confused. I have a gap in my NI for 2023/2024 and can pay a voluntary amount (which I can’t really afford and only decreases my pension by a couple of pounds). What I don’t understand is that I was paid over the £6396.00 PA. I am on low income, but more than the £123 a week lower limit. I don’t claim any…
-
The Years I Want to Pay are not in HMRC’s “My Options”
I was doing really well. Got my pension forecast, identified what I should do, went to HMRC to do it but instead of just listing all my available gap-years and the option to pay for them, I have 14 options made up of (mostly more expensive) combinations that I don’t want. Without boring you with the minutiae, I need 3…
-
Which NI years to top up?
Hi, new here so apologies if this has been answered already. I’ve checked my missing NI gaps and have 9 years missing in total. However only 3 of these are full years i.e. £824.20. Some years are only weeks ranging from 7weeks to 24weeks. My pension projection is £158 per week based on these missing years. I am 54 and…
-
Do I Have a Full state Pension?
Hi, I am 62y old. The Gov Website says I am forecast for a Full Pension to start in 2030. I've checked my NI on Gov site and when I count them it come up with 35 Full years. What I am not sure of is, Do I already have enough Full contributions for a full pension. It would be good if the Gov said that I already have enough…
