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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…
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Confirming figures
I'm 59 and retired (have been since 2013) My state pension forecast is £221.20 week Current estimate £169.88 a week I have 10 payable gaps. They said a payment of £6624.80 will get me close to my pension forecast. I understand each payment year = £6.32. So I guess 8 years = £50.56 + £169.88 (current estimate) = £220.44 I…
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National Insurance - A Levels, child benefit, predictions etc
Hey guys, I have just checked my national insurance record on the Gov.uk website and it wasn't quite what I expected. For reference 'me' = Age 41, currently a homemaker. 1. It seems when I was doing my A Levels, tax years 1998-1999, 1999-2000 I had two full years? 2. When working part time whilst at Uni for the next three…
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No response from State Pension Service!
I enquired in writing to the State Pension Service on 13 June regarding topping up my state pension as phone lines were so busy (I'm already in receipt of it). No response. Wrote again asking for update - no response. So I guess I'll have wait endlessly in the queue on the phone after all. In the meantime I'm having doubts…
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Top up payments go missing
I made additional voluntary payments on 7 June and 11 weeks later had heard nothing. Pensions Department told me there was no trace of additional payment, and advised me to contact HMRC, who said the same but eventually said they had found the money "floating between banks" as they put it. For the avoidance of doubt, the…
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State Pension Top-Up Contributions. What if the SP becomes means tested?
Martin has previously recommended topping up missing years to the get the maximum new state pension, which I am due in a couple of years. Having previously not paid the full NIC's I require to pay a couple of voluntary contributions to take my pension to the max. My crystal ball exam questions is: if they future means test…
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Should I buy a partial NI year from 2010/11 if I am only 32 years old?
I have 17 years of NI records, all are full, apart from 2010/11 which is showing as partial. There is a £80 voluntary contribution I can pay to make it a full year. But I plan to be in employment for the next 36 years. Should I pay this? Thank you
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national insurance years
does your last year of national insurance contribution count towards your pension and if not why pay that sum
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Pension Forecast Incorrect
I have just checked my pension forecast on the government website. I stopped working in 1995 when my first child was born and claimed child benefit. I had 2 other children after and was claiming child benefit upto July 2021 however my forecast on the government website says I have only qualifying years upto when i stopped…
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Mum's state pension
My mum is 86 and my stepdad 76. My mum was eligible to draw her state pension age 60 in 1998. However, my stepdad was only 50 at the time and she was told she wouldn't receive her full state pension until her husband retired at 65! So for the next 15 years she got a paltry amount of pension. I think from memory about £5 a…
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State Pension forecast accuracy
Does anyone have an experience of receiving less than the state pension forecast amount?! - particularly if contracted out. I was contracted out for many years but my state forecast still shows I will receive maximum if I make 1 more year of contributions- 34 currently with 1 more year to 35. I am still 10 years from state…
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Married woman reached state pension age before 06 April 1950
A married woman reach state pension age before 05 April 2016 (old state pension rules apply) but was a homemaker and did not work. Her husband reached state pension age after 06 April 2016 (new state pension rules apply) and paid sufficient NI contributions to get a pension but not eligible for full state pension. Is there…
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Worth buying missing NI years to boost state pension if Labour are going to means test it?
Hello All, I've read online that the new government may well look into means testing the state pension. Obviously I don't believe everything I read online but as my husband was about to buy some of his missing national insurance years at a cost of several thousand pounds to boost his state pension, as recommended by…
