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is it worth me paying missing NI contributions ?
My forecast in 4 more years is £175 ish pension , i have approx.9 missing years hmrc sent me a payment option paying 4 years class 2, if i pay this how much would my forecast rise if any per week ? the remaining 5 year they said i would have to pay £824 ish per year, my dead line to pay for the 4 years is end of this year…
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Is it worth topping up if it MIGHT push me into 40% tax
I have 3 years until state retirement and a DB pension that was contracted out. I am 2 years short on full state pension and always intended buying 2 years top up. However due to frozen personal allowances and having an indexed linked pension that increased quite a bit in the last couple of years due to inflation; will it…
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State Pension, buying back missing years, restricted to 2006-2016?
My wife was born April 15 1965 and is due to receive her pension in
2032 at the age of 67. She has received her
pension forecast which states she is 4 years short of full pension
and has 3 payable gaps, for 2020-21 2021-22 2022-23 We haven't been told
why this is, her N.I. contribs were paid from 1982 until she…
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Pension forecast no longer visible
I paid 2 years voluntary NI contributions 2 weeks ago by bank transfer. Since then I have not been able to see my state pension forecast in the HMRC app or my Gateway account. It just says 'sorry there is a problem'. Has anyone yelse experienced this ? How did you resolve it ? Many thanks Iain Wright
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How do I top up my N.I. years?
I gave up work early and didn't claim any benefits (I was able to live off savings). As I didn't pay any NI conts in those years, I have 28 full years so have decided I need to pay 7 more years (I am not intending to go back into employment before I reach state pension age in about 4 years time). My record shows that for…
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Buying missing National Insurance contributions. Telephone number please.
After watching Martin Lewis ITV show I believe I can purchase missing years of my NI contributions. It seems I have to phone. Can't find number. Please help. Thank you.
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Voluntary NI Contributions
Hi I retired in 2009 from the Civil Service with an opted out pension but I had 30 years NI contributions for full state pension. However I have not worked since due to a number of operations and nearly from the outset caring for my Mother who suffered from Alzheimer's and later my Father who was terminally ill. In 2016 I…
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Class 2 contributions clarification
My stepdad has been self-employed for most of his working life, since well before 2006, and he's reaching retirement age (66) in 2025, before the end of the tax year. We can see on his gov.uk NI record that he's paid class 4 contributions going back to the year dot, so his profits were definitely over the £11,908 threshold…
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Voluntary NI paid a year ago and record updated in 8 weeks but has not been added to my pension
I paid for one year of voluntary NI last October and my NI record was updated in 8 weeks. I started getting my state pension on February 2024 but the extra £5.92 per week has never been added. I also paid for 1 year self employed NI and this hasn't been added to my records. I can pay for another 2 years voluntary NI but…
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Gobsmacked !
Completely gobsmacked at how quickly my added years have appeared in my online account. Obtained the 18 digit code 3 weeks ago and the advisor said it can take up to 8 weeks to show in my account after payment. Funds to pay my 6 missing years arrived in my bank account from a maturing bond on Tuesday 27th August and I paid…
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Paying for gaps in national insurance
Hi everyone, I have checked my gaps in national insurance on the gov.uk website and it shows I have some outstanding that haven’t been paid in full. These were as far back as 2007. It says on the website that I can make payments covering 2006 up until the deadline in 2025 but when I go to see my payment options it says I…
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Am I entitled to Class 2 contributions?
Hi there, I came to the UK in July 2009 and started a job (full time paid internship) and worked from August 2009 until end of February 2010. During that time I was still enrolled at University abroad and the internship was part of the course. This gave me enough contributions for tax year 2009/2010. In March 2010 I left…
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Martin's advice on buying back NI years
Is it wise to encourage people to spend over £825 on boosting state pensions when the government may well target the state pension? After all pensioners are not "working people" and therefore fair game
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How long did your missing year voluntary NIC payments take to be allocated?
Around the start of August I made a payment for my wife to catch up some years for her UK state pension. Since we currently live overseas, I checked in with HMRC about a week later to make sure they had received the payment. They confirmed they had it but said it can take up to 20 weeks to apply. This is the exact quote…
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Why is the current cost of topping up less than earlier years?
This discussion was created from comments split from: national insurance years.
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Boosting your state pension should now be quicker and easier as new online tool launches
A new online service designed to simplify how you check and pay for voluntary national insurance (NI) contributions is now available. It should make the state pension boosting process quicker and easier for most people – though some will still need to call the Government helplines. Boosting your state pension should now be…
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If the Government raises the pension age, is it worth pay for NI missing years now?
I have one missing year to get the estimated full state pension (I am 57), but it is a lot of money. Why should I pay for it if then this or the next government raises the pension age? Am I counting the wrong way? Thanks.
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Can I claim extra state pension?
This discussion was created from comments split from: National Insurance Contributions.
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Future Pensions number not working
I've been trying for months to top up the shortfall in my pension but simply cannot get through to them. Everything points back to the same number but it is not recognised. What do I do now?
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Unfair aspect of the Top up state pension
Whilst I appreciate a lot of people will benefit of topping up their pension, I think there is a major caveat to this. People who have moved from the UK abroad many years ago and are contributing to the new countries tax system and as a result will receive in some countries generous state pensions, why is it fair for them…
