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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?
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Paid £1500 in Oct 2024 but still not showing
This discussion was created from comments split from: How long did your missing year voluntary NIC payments take to be allocated?.
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NI when still in school????
Hi, hopefully there’s a quick answer, I’ve searched but not
seen anything. I’ve looked at my NI record and it’s given me “Full year” for
when I was still at school (3 years - 94-95, 95-96 & 96-97) and not in work, is that
correct? I was born in June 78 so started 6th form in Sept
94 and started university in Sept 96. I…
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ESA claim NI credits help
I’m a 44yr old female, due to ill health, both chronic physical and mental health problems, and caring responsibilities for my seriously ill & disabled parents, both now dead. I’ve been unable to work at all or work full time for many years. There have been years I’ve reluctantly claimed benefits, I’m currently on UC, and…
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Additional Voluntary NI Contributions When Already Claiming SRP
Sorry if this has already been asked/answered - I have had a quick scan but can't see a similar question. I will be eligible for SRP from 4 June 2027 - my current estimate is £195.90 on contributions to date, £214.86 if I contribute up to April 2027. I am not currently working or contributing NI and am unlikely to so in…
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Gifting assets?
Evening all. My in laws have over 45k in an ISA. Because of this, they aren't entitled to any benefits. If they gifted all of the ISA money to my partner, would there be any tax implications for us? And if anyone has done similar, was there any questions asked when they applied for any benefits? We are not worried about…
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HMRC voluntary NIC reference length issue
Hello folks, I am having an issue with paying my & my wife's voluntary NICs from abroad. The HMRC letter asks to pay online where possible, but asks for the following reference length: (by cheque): payable to "HM Revenue & Customs only xx123456X [NIC #] NIC from abroad Area 14". Far too long for e.g. First Direct online…
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National Insurance - missing years
Good morning everyone, this is the first time posting. I am after some advice if possible please. Both my husband and I have missing NI contributions, mine is for one year and my husbands for 2. To pay these would be over £1500. When checking the pension forecast it says we will both get the maximum £221.20 weekly payment…
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Voluntary NI Contributions after working abroad
Hello, After an unsuccessful call with the Future Pensions helpline- I wondered if anyone could offer some advice? On checking my payable gaps via the Government gateway- it has advised that I have nine payable years, for which I can make voluntary NI contributions - from 2007/2008 - 2015/2016. I worked abroad in full time…
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Risks of Topping up UK NI while living abroad and new HMRC deadline today
First, a new decision just made by HMRC and told to me by them on the phone today: Anyone living abroad must have made sure HMRC gets their CF83 form by 5th MARCH (to top up their UK NI before the previously announced April 5th deadline allowing top ups as far back as 2006). So, here's my query... I have 17 years of NI…
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Top up pre 2016
I have a pension that needs topping up and have a few years that are cheaper than the max. The gov website does not offer these and when ringing the helpline was told you can only top up one year prior to 2016. I thought you could take any year back to 2006 until this April. I can find no info that backs up only one year…
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Ten years minimum contribution
Hello, I lived in the UK for 22 years but moved back to Europe in 2019. I'm considering topping up my NI contributions as I have a few partial years and then about 3 I would need to buy in full to get me up to 10 years. Now my question: everywhere on government websites and also on the MSE piece about this it says "you…
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Can I rely on the State Pension Forecast?
HMRC's State Pension Forecast for me has for several years been saying that I am on track for the full state pension and my NI Record shows 37 "Full Year" years. However, how far can I rely on HMRC's Forecast... Some early years when I was at school are classed as "Full year" but when I look at the details, it says "You…
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Why am I offered top with a full State Pension ?
I currently qualify for the full stater pension having accrued 37 years full NI contributions. I retired in 2018 but don't yet claim the state pension as I'm not 67 yet. When I got my state forecast and looked at my NI contributions, it says I can top up missing years (for 2018 onwards). If I can not improve my state then…
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Overseas worker adding to pension
I have a family member from Poland who has been making National insurance contributions for a few years through his employer in the UK. He is now 62 years old and would like to make voluntary contributions to increase his pension. Is he able to do this and if he can how does he go about it? Thanks in advance.
