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Confusing pension forecast compared to NI Gaps
Apologies if I’ve missed this on another thread. If so please point me there. My NI record has two incomplete years with notes attached telling me how much I need to pay to complete them. However, my pension forecast gives me a weekly amount (to be claimed in 2034) and states that I can’t do anything to improve this…
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Contribution amount
I’ll be retiring in May and taking my DB pension. I’m aware I can only contribute £2880 once retired to my SIPP. However I would like to add to SIPP in my final months working. I earn £34k (part time worker). I currently only pay in £100 a month but I believe I can pay in up to my earnings in a financial year. Is that…
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Buying years of NI contributions.
I am confused, I opted out of SERPS from 1987 til it closed which I think was 2012. With MSE telling people you could buy more credit for missing years I thought I'd check. It seems I only have 7 months of missing contributions since I started work in 1979 and also states I will get a full pension. (Gov gateway website) Am…
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NI Contributions/Pension Top Up
Good afternoon all I am hoping for some advice & perhaps solving a mystery! My Wife was surprisingly awarded a State Pension of £556.00 a month when she reached 65 in 2021. I was awarded a full State Pension in 2024. I am saying "surprisingly" as she has not worked since 1978. She started work in 1973 & left in 1978 to…
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Missing National Insurance Year when I got married
I worked full time as a teacher from 1998 - 2010. All the years show full National Insurance contributions, except 2003 / 2004. It happens to be the year when I got married, and changed my name, so I can only assume that is the cause of the error. Nothing else changed, and I worked the full year. It is too far back to pay…
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advice on volunteering National Insurance - and being sometimes self employed
Hi All, Like many I'm wondering if I should be paying off missing NI contribution years to help my state pension. The estimate based on my NI record up to April 5th 2022 is £110.46. The forecast if I continue to contribute another 15 years before 5 April 2041 is the max £185.15. I will reach state pension age in Feb 2042…
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18 digit National Insurance Reference Number
I have checked by NI contributions on line and want to pay for a year I missed in 2015-2016. It will allow me to stop work and year earlier and know my contributions are up to date. However when I try to pay I keep getting asked for my 18 digit National Insurance Reference Number which starts 60. I have checked all my…
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Pension Forecast - "we are checking this year" and credits whilst working at school
Like many other people I went back and checked my pension forecast. Finally got in today and, months after last checking, it still says this on two post-2006 entries: It has said this for well over a year now, is it something I should all them about? Or will it update eventually? I will pay the voluntary contribution…
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Missing NI credits Incapacity benefit & esa
I checked my NI record earlier today. (Along with a couple million others lol) I’ve got many missing years. (Voluntary payments would amount to about £15k!) These date from what I can work out from when I was moved from incapacity benefit to ESA, From when I was moved to esa no NI credits have been done. Does anyone have…
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National Insurance Contributions
I have 39 full years contribution yet I am being told by the calculator that I am still 5-6 years off a full pension and have to pay around £4900 to get a full pension, any idea why this may be the case..?
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NI voluntary contributions deadline April 2025
I have requested a callback from the DWP to discuss my missing years. What happens if they call me whilst I am driving or in work when I am unable to take calls. Might they leave a message or ring again?
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National Insurance Gaps
Hello, I was born in 1997 and currently have 5 years NI contributions in full but the rest have gaps, I’m now in full time employment so will now have full payments going forwards. Is it worth paying my 2013-2016 missed payments now? It works out around £2000 which is a lot of money, but will it effect my later if I don’t…
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Should I have received notification of payment by now?
Payment made on morning of Feb 28th via a traditional bank transfer (their ecospend thing kept failing.) All the instructions were followed carefully. I provided my email address, which they claimed to ask for so that they could notify me when they've received my payment. Should I have received notification by now? I'm…
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Sorry, there is a problem with the service This might be caused by a high number of people trying to
This happens everytime and for days now. Will they extend ?
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Buying (self employed) years to top up pension.
Just seen Martin again tonight and I think a viewer messaged the show with a similar query to mine which has prompted me to ask again…here we go… retired on ill health in receipt of works pension circa 2000 in December 2006 decided to start as a sole trader probably tried for about 5 years, submitted returns (didn’t make…
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State pension 70p per week short
According to DWP I have full pension contributions but my weekly payment is 70p short, every week, but they cannot tell me why. My husband's is 90p short ... again, anyone know why?
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N.I. Contribution top up question.
I am hoping ‘molerat’ or one of the other knowledge contributors on the forum can clarify, offer guidance on my question please. I am considering paying voluntary N.I. contributions (post 2016 gaps) to achieve a full (almost) state pension. A couple of questions I have: 1. I was C.O.P.E. and wishing to confirm that paying…
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State Pension > Unsure Whether To Top-Up 1 Year or Not...
My wife has received her state pension forecast and it states that she can top-up the 2011/12 year at a cost of £824.20. We're unsure whether it's worthwhile doing this. My wife came came to the UK (none EU citizen) in 2010. She started working / paying NI etc in 2011 and has worked since then.She had to have 10 years' NI…
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Self employed NI gaps - Class 2 or Class 3? Have HMRC misled us or is it too late to pay class 2?
I'm very confused here. My partner has 9 years of gaps we want to make up from 2006-15 and its trying to charge us Class 3 rates at £824.20 per year. He was registered self employed the entire time. He's not a big earner. We don't have copies of his old self assessments, but we can see from HMRC's payment records that he…
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Top up to 34 or 35 years costing £910 for additional 9p per week, £5.2 per year.
To topup from 34 to 35 years contribution would cost £910 and would only increase weekly payment by 9p per week. Is there any down side by going for the 34 years option instead of full 35 years when weekly payment increase is so low?
