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One more year of NI to pay
This might be a silly question but I'm trying to phone HMRC about plugging the remaining 1 year gap in my NI record as I was contracted out for many years before retiring. As I know the amount I have to pay and already have the 18 digit payment reference from last year when I paid off all the underpaid years except…
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Topping up state pension gap caused by contracting out
Last year I contacted HMRC and got an 18 digit reference number so I could pay for 4 year's contributions. This left me with one more year to pay. Can this number only be obtained by phoning them?
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Understanding contracting out
I’m struggling to understand the impact of having been contracted out from 2010 to April 2016. I’ve checked my NI contribution record and every year from 2010 to 2011 to now is showing as ‘Full year’. Overall I have 7 full years since April 2016, 6 full years before that (when I was contracted out), and 3 full years of…
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Why can't I top up my pension?
Read this useful thread by @blue.peter https://forums.moneysavingexpert.com/discussion/6510290/state-pension-uprating/p1 - we are exactly the same age - 66 in November so realised I might be able to increase my pension However can't see any option to do so ?? I gave up work April 2021 but paid enough NI that month for it…
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Cut in NI, more hours to qualify for SP ?
I had sort of calculated I needed to work about 20 weeks in the new financial year to qualify for my final SP year. Am I interpreting things correctly if I assume the reduction in NI paid in April will mean I will have to assume I need to work more than this or has the qualifying amount needed changed ?
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Buying back NI Contributions
Is it worth buying, back dated NI years if the government is intending to reduce future NI payments or even abolish them altogether? My wife is short approximately 10 years of contributions, which would cost about £8k to buy back, but she still has over 10 years to go before reaching state pension age.
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Universal credit and additional voluntary contributions
Does anyone have any experience of claiming universal credit and paying additional voluntary contributions?
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Paying class 2 contributions but shows as paid tax on overicew
My husband paid ni vol 2 conttibutions for 22/23 in September 2023 He’s checked today and NI contributions 22/23 show as not a full year. when checking tax year overview 22/23 advises paid £163 tax - can’t see where does the voluntributions show other than his tax return. Does the ‘tax paid’ transfer to the NI page when…
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If years are missed as was self employed and low income
How much does one have to pay to credit each year that’s missing please? Thank u got any help😊
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Advice -Confused on topping up Pension, Class 2 or 3? Sole Trader? How many years??
Hi all Can anyone advise on my State Pension and if i am Class 2 or 3? I finished full time employment in 2014 after starting in 1991 (23 years) and NI was paid automatically and showed on my payslip. I have since since had income from rental properties only and was told/informed that i would be a 'Class 3' Sole Trader, i…
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Voluntary NI contributions and allowance
I am shortly topping up missing years of NI now that I have at long last received the HMRC statement letter. Does the NI top up count toward the £60,000 annual pension contribution allowance?
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NI record: several years not full, still being checked
I have five years in my National Insurance contribution
record which state ‘year is not full’, although I expect to have a full record
for each of those years as preceding and following years, during which I was in exactly
the same situation, are full. When I click on ‘more details’, I get the following
message: “We are…
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how do i actually top up my state pension?
I need to top up my state pension .I need to top up 10 years and I have 12 years left to do this. But I cant actually see on the my tax account with HRMC how I actually do this, It just sends me to payment page with no reference and way of selected the actual years I paying. Am I missing something? I would have thought…
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State pension
I’ve not been on here for years, so please bear with me if I’ve chosen the wrong category! I started to receive my state pension when I was 61 which is just over 10 tears ago now. I’ve continued to work as I can’t have a good quality of life on that amount, or survive even! What I resent is the fact I have to pay tax on…
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Is it worth paying voluntary contributions for missing years for my 2 grown up children?
Is it worth topping up the missing years when my 2 (now grown up) children were students? I have always been very grateful to my own parents for doing this for me when I was a student many years ago. My children, one of whom was a student for 7 years, now have several missing years (when they were at university) and I’m…
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NI credits
I've tried finding the answer to this on the Gov website but couldn't so I'm hoping someone on here might know. I have a few years where my national insurance contributions are not complete as my wages were too low to pay NI. I'm assuming this will affect my pension and the only option it gives me is to pay to top up, when…
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Another contributions question :)
My situation is I'm 60yrs old and have been self employed for the last 35 years. I have just closed my business and told HMRC I am no longer self employed. I do not intend to work again before I reach my state retirement age at 67. I will be living off savings/investments. My state pension forecast says I will get the full…
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Is it worth adding to State Pension?
Hi folks, This is a joint question from my partner and I. I’m 61 and my partner is 55. We were paying full NI contributions until we went self employed September 2017 until around January 22 for her and November 22 for me. I’ve checked my shortfall in my contributions and, if I pay just over £8k, I get an extra £33 p/w, or…
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How long is too long to wait for top up ?
Hello, My husband had missing years. After getting through to the Future Pension Centre, he was told how much he needed to top up his class 2 contributions and was given a reference number. The amount was paid in June 2023, but his NI record has not changed and he will still not be receiving full pension. We cannot seem to…
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Topping Up State Pension
Hi, I am currently not working. I am currently doing Exams for Accountancy and I hope to get a role in that field later this year. There will be 3 years I have not paid any National Insurance. The current tax year and the previous tax years. I was 50 in November and I have 28 full years of National Insurance Contributions.…
