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I pay voluntary Class 2 contributions
I currently pay around GBP179 per year voluntary class 2 NI contributions I live outside of the UK My question is how long can I continue doing this and will I get a full stake pension if I continue doing this or only a smaller amount? I currently have more than 11 years of contributions. My follow up question is, how is…
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NI credits for part time workers
I'm a little confused as to my future NI situation. I have been a full time mum since late 2010 and have been claiming child benefit, so I know my NI contributions are sorted for those years. My husband has been earning over the threshold of child benefit for about a year and a half. I have been looking for work for…
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Easy way to check pension forecast and topping up.
I spent a couple of frustrating hours on the HMRC website,the the Government Gateway pages,trying to find out my predicted pension and whether I should top up.I was getting nowhere and eventually phoned the DWP.A lovely advisor described the site as rubbish,so bad even the DWP themselves find it unusable.She gave me the…
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Class 2 Voluntary contributions not accepted
Hi all, Hoping someone can advise of my options in this situation. I have a few years NI gaps to top up my State pension. I called the NI helpline back in January and they then put me through to HMRC who looked up my record and told me how much I could pay class 2 voluntary contributions and the named (four) years that the…
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My dreadful experience
I initially enquired about paying for gaps in my NI contributions, which were many! last Aug 2023 Was sent the info and calculator ...worked out my optimum payment and trabsferred the money on 27th Sept to HMRC Several!!! ????phonecalls and even an email to my mp , sorted it myself tho', in the end, has taken 8months for…
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Final year of NI contributions does not count toward state pension
I have been told by HMRC that the final year of my NI contributions does not count toward my qualifying years. I am two years short of a full state pension, as I only have 33 years years showing on my gateway account. HMRC confirmed that I did contribute £2619.09 up to my birthdate in my final year of contributions but as…
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Topping up: Do you *really* need to "phone the Pension Service"?
I cannot work out if this is something that is a legal requirement or is just a pointless "nannying" exercise, especially because HMRC seems to send out generic replies to letters (while addressing them to the recipient personally). At the moment I have only 6 full years of contributions, as have been living abroad. I have…
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Article - We wasted thousands on state pension top ups
This just popped up on my MSN feed from ThisIsMoney. I haven't had a chance to look at it fully yet but at a quick glance it looks an interesting read https://www.thisismoney.co.uk/money/pensions/article-13350453/Savers-waste-state-pension-ups-WRONG-advice-DWP-HMRC.html
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Paying extra NI for SERPs contracted out years - does it help
Hi After some help please I'm 60 and looks like I'll be working to 67 I currently have 33 years of full contributions so will easily get to 35 years My pension currently will be reduced by a COPE amount of £38.30 from £221.30 (17%) due to being contracted out of SERPS for a few years I can currently add a few years of…
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Income from different sources and pension tax relief
I have just done my tax return 😁 and it's got me thinking about my next one. I am a basic rate tax payer and, all being equal, I will gross £28k next year. Half of that is through my employers payroll. A little bit is from self-employed earnings, a bit more is from a commercial rental and I shall have a couple of savings…
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Class 2 NI contributions
I am no more than 4 years away from state pension age. At the moment I am 1 year short on a full pension. I have no grand children to look after so I can’t use that method to boost the pension to the max. I have no real desire to go back to work but I just wondered why others including me can’t take this approach... 1.…
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Quick question on NI voluntary contributions - says "This shortfall may increase after 5 April 2025.
Hi, I think I am 2 years short of a full state pension (I retired early in 2015 - pension age in 2035) and the cheapest years to buy are currently 20-21 and 21-22 (£795 and 800 whereas most years are 824). If I buy them now I am getting £450 extra a year for about £1600 so worth doing BUT it says "This shortfall…
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Local gov pension
I have a DB gov pension that I want to transfer . I’m 63 and have left work 6 years ago and now want to draw down on my pension but having trouble finding an advisor to do this for me ? Any help appreciated thank you
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specified adult childcare credits
I have been informed that I am entitled to specified adult childcare credits from April 2011 to April 2021. The letter does not tell me what happens next. Are these automatically added to my national insurance contributions, does this increase how much pension I get? Thanks
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Topping up NI contributions
Hi. In October 2023 I paid for 2 years voluntary NI contributions to top up my state pension which I started claiming in February 2024. I am disappointed to say that buying these extra years has not added to my state pension at all. The amount I get is the same as my future pension forecast as it was before paying extra to…
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HELP NEEDED FOR EXPAT AUSSIE TOPPING UP
I completed an ‘application
to pay NI contributions abroad’ form and sent it to HMRC from Oz. HMRC sent a
letter to say that they couldn’t process it as the form was not dated so trying
to do it online and work out what the best thing to do is. 53 y/o male currently
live/work in Australia. My information states: You have:…
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Gary Millar
how do you change your personal details on HMRC if you can not open gateway account as you can not verify identity
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Contribution on all earnings query
When we set up our auto enrolment 10 years ago, we set it up as salary sacrifice with all earnings and as the minimum contributions went up they ended up at 3% employer and 4% employee and there was a page on the pension regulator site stating this. I went to look the other day as I’d saved it as a favourite and the ‘page…
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Voluntary German pension contributions while living in the UK
Hi! I lived for a while in Germany before moving to the UK and I contributed to the pension system there for 1.5 years. I would like to continue to contribute for an additional 3.5 years so I can fulfil their 5-year criteria to qualify for the pension. Can anyone help me with suggestions or indicate a direction- where I…
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Can an immigrant buy extra NI years to quality for full pension?
I've moved from Ireland to the UK in 2015/16 tax year. So far I've paid 8 NI years (supposedly, tbc, and this year when complete will be 9) and I planned to retire in 18 years. If I follow this plan, I will be short of the ~30ish years needed for the full state pension. I think I only need to buy a couple more years to get…
