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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.…
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Missing Voluntary NI contributions
I paid voluntary NI ( on Martins Advice ) got through to pensions advice & HMRC (for reference) within mins. After 10 weeks contacted HMRC NI, answered after 59 mins. Lady said couldnt find my payment after confirming all bank details and reference, she would pass on to another department. 13 weeks still no update. Raised…
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Voluntary contributions not credited - what to do next?
Despite paying for an extra NI year, and receiving a letter confirming receipt back in May 2023, it's still not been credited. Numerous attempts to phone them, sometimes hanging on for nearly an hour; sometimes getting mysteriously cut off, and once managing to get through to be promised that it had now been resolved, the…
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Voluntary class 2 for just part of a year
Recently returned to UK (grew up here but left after finishing school) and have done a few Deliveroo shifts while looking for steady work. Just occurred to me that I can register as self employed. If I start paying voluntary class 2 from now, with just over 4 months left in this tax year, is it enough to get full credit?…
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Additional voluntary contributions
We have been topping up my husbands N.I contributions as he was unable to work for a number of years. He was due to get his pension December 2023 but unfortunately passed in Oct 2023. Does anyone know if I can claim these payments back and if so who do I contact ?
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Voluntary NI contributions for former student and UK-EU situation
Hi there,I came to UK in 2010 to start a PhD until it finished in early in 2015 and then I have worked in UK since.My National Insurance record says rightfully that my years are not full for those years (I was on a UK/EU stipend) and suggest I could buy them each for about £800 - 2022 to 2023 - Full year (...) - 2015 to…
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Confusion over missing years
hi all, yesterday i read MSE's great article on topping up missing NI years. I checked my NI contribution record as recommended and I'm left in some confusion. At the top of my record the site states: However when I scroll back through my past contributions I found in the year 1993-1994, this message: I'm confused by this…
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National Insurance
Is anyone able to advise.......... I thought you needed 35 years for a full pension (currently) but my record shows I have 36 years of full contributions but when I select the link to display the pension forecast it tells me I am only due £199.64 (1 year short) and telling me I have x amount of years left to make to a full…
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National Insurance missing years
Hi I watched Martin's great video re making up short years of National Insurance. Martin specified 2006-2017 on his video (I'm 62). I discovered 2 years 2011-2012 and 2015-2016 where I'd need to pay a mere £237 to complete both years. When I contacted the Future Pensions people their email said 'If you have 35 or more…
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Paying voluntary NI contributions
For a year or more I have been trying to see if I can pay Class 2 contributions from 2017 - 2020 when I was working abroad. I finally got a letter the other day (9 months after I sent the forms off) confirming that I can and the amounts for those years. However, no info on how to pay. Online it says you have to have a 18…
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Topping up after reaching pensionable age
I have a relative who will reach retirement age in the middle of next year. He has fallen short on his NI contributions by a couple of years so will need to top that up to get the full state pension. Unfortunately, it seems he will not have enough money available to do that until just after he qualifies for his pension. My…
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Topping up state pension
A friend of mine has told me that he saw a recent news article that said that if you contracted out part of your state pension (ie SERPs) you unable to buy/ top up your state pension. Is this true ?.
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NI contributions for childcare post 1978
Had my child 1/6/1975 although I was on benefits no contributions were made for 1975/6, 1976/7,1977/8 I am now at retirement age and appears i’m 3 years short for a full pension is there anyway I can appeal ?
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Claiming Class 1 Credits for period while actively looking for work but not claiming benefits
Don't bother calling the JobCentre (or HMRC).You need to complete a form JSA NC1 and deliver it to the JobCentre - in person or by post to your local centre.The JobCentre can give you the form in person but doesn't make it available for download or by email. However, Google knows where to find copies requested by…
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Deferring state pension - can this time be used for buying extra qualifying year(s)?
I read the MSE guide, but haven't found the answer there. Does this mean that the answer is 'No'? I see that deferring by 1 year results in 5.8% increase. Is my understanding correct that this is the case even if one doesn't work and doesn't make any voluntary contributions? If so, IMO it's illogical if this year cannot…
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State Pension Forecast
Hi There Could someone explain this to me : You can get your State Pension on 8 October 2039 Your forecast is £203.85 a week, £886.38 a month, £10,636.60 a year You need to continue to contribute National Insurance to reach your forecast Estimate based on your National Insurance record up to 5 April 2023 £168.95 a…
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Hi / Keen to get your opinions!
Hi, I called the Future Pensions Centre and would be keen to hear people's opinions on the information they gave me. (They were very helpful, if anyone is thinking of doing it). I'm self employed, and was told that if my self employed situation remains the same for the next 18 years (until pensionable age), I wouldn't need…
