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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.…
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Recover overpaid voluntary NI contribtions?
Having spoken to the Future Pensions advice line, I paid voluntary NI contributions totalling nearly £5000 in order to bring my state pension to the full amount. But doing some delving I have found that in fact I could have transferred some of my wife contributions (without affecting her own pension) because we had school…
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NHS employment
I retired in 2015 aged 59 and took my NHS pension. That year I had 45 years of full NI contributions and now have 5 years when I did not contribute enough. Had I been told to still pay NI contributions I would have paid voluntarily but I was never advised to do so. I now have a lower state pension, albeit would have been…
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How is the amount of a voluntary contribution for a NI gap year calculated?
I have checked my NI record and have some gap years from 2016 - 2017 onwards. I was under the impression that each gap year back to 2016-17 would be a voluntary payment of £824.20 (ie the rates applicable 22-23). My 2016-17 gap year is showing a required voluntary contribution of £507.20 to count as a "full year", I paid…
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Calculating NI shortfall
I left the NHS in 2015 at age 59 and took my NHS Pension after over 40 years service. This was my only income so why does HMRC keep telling me that if I need to pay any NI shortfall to top up my state pension appears to be based on my salary when I left the NHS. Why can I not pay voluntary NI based on the income I was…
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Ex Self-employed a very few years from retirement, can I self contribute for pension and...
AMENDED, so everybody is happy... and polite... (British Citizen) - apologies if I have chosen wrong Thread - not 100% sure. Hi 1st option I am thinking to leave my self-employed status and simply stay at home - eventually find something else to do, but the main question is: If I am going to be a Ex Self-employed (at home…
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Contracted out of state pension scheme
For most of my working life I was in a job where I was contracted out of the state pension scheme. I would like to fill the incomplete years from 2006-2016 but have been told by the Future Pensions Centre that only completing years from 2016, when the rules changed, will increase my pension. The work I did from 2006-2016…
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Problem Paying with Barclays Online
I’ve been in touch with the Pensions Centre and HMRC, and received my 18 digit code to make a bulk one off payment for four years contributions to my state pension, total over 3k. I was entering the payment details the HMRC gave me. I typed HMRC NIC RECEIPTS and the sort code and account number under new payee. For the…
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Your NI record for 2022/3 is not complete.....
I am self employed. I have a full NI record up to tax year 2021/2 Tax year 2022/3 I was still self employed, I filled in my tax return and paid my tax due, without paying much attention, then checked from time to time to check my NI record on "check your state pension" had updated. It was still saying "Year is not fullWe…
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Topping up NI contributions when you work abroad
Has anyone successfully managed to pay voluntary Class 3 NI whilst working abroad?
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Topping up from abroad
Hi there. I have a friend who lives in Australia and wants to know how he can top up his state pension from abroad. If anyone knows how this works please can you advise
