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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…
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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…
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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…
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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…
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After 47 years of Full Payment I'm still over 20% down - no help anywhere time to give up!
I reached pension age in August 2016 and my NI record shows 47 of the previous 49 years as Fully Paid. The 2 exceptions are:- 1992-93 shows as 39 weeks paid (I changed jobs in that year) with the comment that it's too late to do anything. 2013-14 (I took early retirement that year) states the DWP is checking, will contact…
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Called HMRC given 18 digit number 4th feb where do i go to pay?
So on 4th feb i called HMRC and got my 18 digit number.I have spent around 4 hours today on the website and app trying to find an actual payment portal.I eventually found a page on the app and entered the number only to be told it was an incorrect format and should start with 60.My number has a 9 at the start and 60 at the…
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Pension questions
Hi everyone, Firstly, thank you to all at MSE, your work is invaluable. I watched the ITV episode on 4 March 2025 and then checked mine and my wife's State Pension forecasts. We moved to the UK in 1999 and have worked fulltime since then, so both of our forecasts show the full £221.20 prediction, but we're a little away…
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A bit confused about my national insurance.
I thought I would put this out there, as I'm a tad confused about details on my govt gateway account re state pension and national insurance. I retired in Dec 23. When I go to my account on the govt. gateway, my State pension (due in 2032) is indicating I will receive the full amount possible, ie. £221.20 per week. All…
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can’t you top up online?
My Wife’s found a part year (2015) that she can buy for £95, which will give her full pension after another 2 years working for me and getting credits. Then I can retire, yay! We’ve both looked on the Gov. uk / tax account and can’t see a way of paying. Seems really stupid if it’s correct, there must be thousands of people…
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Newbie Question around this week's Weekly MSE Email
Good Afternoon All, I'm a newbie here, although I’ve been a long-time lurker for
several years. I’ve finally decided to register and post a question prompted by
this week’s MSE weekly email. I’ll be turning 55 in August. I’m single with no dependents,
and my mortgage is fully paid off. I currently work part-time after…
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Pension query
Having watched Martin's recent ITV show regarding pensions and then spending tome on MSE website, I understood the full weekly pension anybody could get is £221.20. I'm just wondering if anybody knows why mine says £234.40 per week?
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NI Pay extra to increase my State Pension help
I am 70, after watching Martin’s show last night I had a look to see what my NI Situation is. I decided to retire early to look after my husband with Cancer & then Dementia. I had 3 years 2011 to 2014 when he had Lymphoma & Stem Cell Transplant, then from 2015 early on set Dementia/Alzheimer’s till death late in 2020. I…
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Basic State Pension
My female friend who was born 22/8/1951 receives basic state pension and recently contacted the pension service to ask why does she not get the full state pension , even though she was willing to top up . But they stated she had already paid for 30 years and had paid the full amount and not entitled to to the full amount…
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Mid-40s and only have 8 years; missing years not all showing up as payable
I only have 8 years towards the state pension, all before 2016. My forecast is £86.43 a week :( . My statement says I can now pay 2008-2009, 2009-2010, and 2013-2014. The amounts are £776, £824 and £824. However I also haven’t paid for the following years, and it doesn’t currently give me the option to pay them. I have…
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HMRC NI contribution delays
I submitted form CF83 by mail to HMRC, wanting to make NI contributions for years missed while working overseas. Having checked online since, they say that I have to wait for a reply until early 2026! A one year delay in processing the forms! Has anyone else got experience of this please? Will I have missed the April 25…
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HMRC advice differs from what's online
I recieved an email from HMRC yesterday saying that I could top up by paying £824 for two years, one being 2006/7. I know that I arrived in the UK in June of 2006 and started work in September so I must have paid a partial year. However, when I checked online 2006 is not even listed. How am I supposed to find out how much…
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Ni contribitions
Hello I'm new! I have a few questions as I have noticed the NI top up ends in a month. I have gone online and checked I have around 15 years contributions I have around 15. More years I can work I have the following questions. 1. The site has listed. 35 options for tops ups in a combination of different years. These range…
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Retired 10 years early but gov.uk shows forecast of full State Pension amount.
I took early retirement after 30 years of teaching. I checked the SP Forecast on the gov.uk website yesterday and it says, in 2031, I’ll receive the full SP amount of £221.20. Wow! … I thought. However, the site goes on to say … “Estimate based on your National Insurance record up to 5 April 2024 is £211 a week. Forecast…
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Voluntary NI contributions AFTER retirement
I began claiming my pension in 2019. I have no gaps between 2006 and 2019 but I don't have 35 years of contributions.Sorry if this is a silly question but can I buy years 2020-2025 ?
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Missing Years - Child Beneft to "wrong" partner - NI credits wasted - why no automatic reallocation?
I have just read the latest MSE email reminding again about the looming 5. April 2025 Voluntary NI contribution deadline to take advantage of the doubled-down two year time period extension ... I am gob-smacked to learn that HMRC are now prepared to backdate reallocation of Child Benefit from one partner to another so that…
