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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
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Help with completing Specified Adult Childcare NI Credit Form
My mother has looked after my nieces and nephew since 2018 and I am helping her fill in the form to claim the NI credits from 2018 to 2023. Will also do a new one once this tax year has completed in October. When filling in the form under the "Period of care" do I need to separate out each tax year? Or can I just put the…
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National Insurance contributions to state pension
Probably a stupid question but HMRC say that full pension can be achieved with 35 FULL years of contributions. Does that mean that if you have “only” covered 90% of a full year then that year does not count? My early-retired wife has 25 years and she wants to pay her NI voluntarily for the next 10 years. However, if she…
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state pension top up
I top up my state pension on 6/11/23 base on the forcast I received. 6 years of additional, I should received extra £34.95 per week, but I received a letter of increased only £16.85/week. Could DWP make a mistake? Has anyone got the same experience.? I got a month from the letter date to challenge. I am waiting to ring on…
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Grandparents childcare credit
Hi I completed a form back in April this year to apply for missing years in my NI record through Grandparents childcare credit to boost my pension I know it was received by the department in April and as to date I hadn’t heard anything so I decided to give them a call. I was informed that yes they have the completed form…
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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…
