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Self Employed - State Pension if retiring early
Hi all, if your forecast is for a full state pension but you wish to retire early, can you pay the short full? If so is there any info out there on this?
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National insurance contributions Advice needed
Hi everyone, I am 54 and am missing some years on my national insurance record, I need to make up 10 years, I can't afford to buy back any years but I was going to start paying class 3 contributions starting in April. I only work 8 hours a week but have heard if I work 12 hours which takes me over £123 a week but under the…
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The future pension service hanging up
I am trying desperately to fill in the gaps in my national insurance record by paying the shortfalls in various years as last week mse program advised. In order to pay, it's not clear what to do apart from contact the future pension service. Tried this three times. Each time the phone is hung up/cut off immediately. Same…
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Gaps in my N.I. contributions
Hi all, before I got totally on board with my class 4 N.I. contributions, I looked through my record and realised that a couple of past years were only a week short to qualify for that year. It seems unfair that I can't, as far as I know, make up that small shortfall. Does anyone know, if it doesn't qualify, can I reclaim…
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Unable to fill NI gaps
They are checking it… for 12/13, 14/15 etc I can only make voluntary contribution for 10/11 and 11/12 which will not be enough as far as I know… as it’s been more than 10 years how likely is it that they finished their check before April 2025 deadline? It tells me that I don’t have to do anything but all those years don’t…
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Checking State Pension
Hi, Im trying to help a friend check she is getting the correct amount of state pension. Her NI record is pre 2016: 31 full years of contributions, some partials not included in this total 2016 onwards: 6 full years contributions. She was a teacher so not involved in SERPS or contracting out. I understand that the…
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How long does it take to get changes made to state pension following NI credits paid
It took 6 months for the Pension Service to answer my letter asking how much I would increase my pension if I paid six missing years NI credits. I could not get through to speak to anyone in that time. Finally, they rang three weeks before my first pension payment was due, and give them their due, the guy I spoke with was…
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Self Employed - Should I Pay this year's Class 2 NICs voluntarily following low profit?
Hi all, I've had a low profit year and have the option on my self-assessment to not pay Class 2 NIC. I'm 48 and according to https://www.tax.service.gov.uk/ I need to contribute another 7 years before 5 April 2042 to get the full £203.85. I expect to be working for far more than another 7 years (probably double that), so…
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Increasing work pension contributions
I've posted this in the wrong place.
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How long for voluntary payment by DD to be set up?
I entered full retirement in June this year after several years of semi-retirement that included part time working. So this financial year I paid NI for just 3 months. This is the last financial year I need to pay NI (Year 47) as I can claim my state pension from next July. It is 47 years for me as I was contracted out for…
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State pension voluntary NIC Class 3 contributions
Dear Forum, I'm trying to understand if it is possible to fill gaps in my NIC record, specifically the pre 2016 gaps and also potentially the post 2016 gaps. I'm 46 and my NIC record and pension forecast is as follows: -15 years of full contributions (13 years pre 2016 and 2 years post 2016) -15 years not contributed…
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State pension award letter not received
Hi. Does anyone know how long it normally takes to get the award letter after claiming? Hubby claimed at beginning of November. He's heard nothing. He reaches retirement date on 22 January 2024.
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What the term "reduced rate" on National Insurance Record actually means
My wife has three terms on her National insurance record namely "Payment not needed" "too late to pay" both of which are self explanatory and the third is "reduced rate" which is displayed for eight years from 1975/1976 through to 1982/83. Will these years count fully towards the 35 years needed for her full pension. One…
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HRP claim
Can a married woman of 77 who had child still in full time education ,in SCOTLAND ,but over the age of 16 years, claim for HRP credit and paying A rate national insurance Have received letter from HM Revenue & Customs saying child must be under 16 years. On watching a Martin Lewis money programme I thought he stated if…
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Voluntary Contributions: Worked Abroad + Considering Retiring Early
Having gone through Martin's guide, I seem to be in a situation which isn't covered. I studied, and worked outside the UK until I was about 30. I'm 40 now, so should have 28 more years to contribute before my pension. I started working in the UK in April 2014, and it's showing that I can top up 2013 - 2014 for £824.20. *…
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NI reference payment code
Hi, I managed to get through to the helpline a got an18 digit reference code to make my payment earlier this year. Then, with the cost of living issues that occurred with inflation etc, I didn’t use the code. Is there a time limit on the code? I think I got in in February this year but I’m in a position to pay now so I…
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Additional voluntary NI contributions
Sorry folks I know that there have been lots of questions like mine - i have tried to get through to the Helpline but keep getting cut off. This relates to my husband who was 65 at end of April. He is not working and has not paid contributions for several years. His record shows that he has 30 years of contributions and a…
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Filling the National Insurance Contribution gaps
Dear Sir/Madam, For the last 36 years I have lived and worked in Australia. I departed the U.K. when I was 26 years old and I have just returned, now 62 years old. Between the ages of 16 and 26 I worked and paid some National Insurance Contributions. When I got back to the U.K. a few weeks ago, I contacted the Department…
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Info please
My partner gets his state pension in March 2025 and though he has some missing years, he has 41 years of full contributions according to gov.uk website, so would he need to buy extra years would you know?
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Pay for additional NI pension years or keep guaranteed pension credit?
Hello, I am keen to help an elderly friend who has a very low income. She is 66 and currently receives guaranteed pension credit. In a recent letter it said her guaranteed pension credit was about £77 per month. She doesn't have any income apart from her Disability Living Allowance and she has been unemployed for decades.…
