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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…
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National Insurance Voluntary
Can I just ask and i know it may seem a little obvious. i have one year where I was self employed for most of the year and paid contributions for the business but not for the whole year. With my national insurance record showing as not a qualifying year I would like to make voluntary contributions to make it up. Do you…
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Class 2 voluntary NI Contributions
My wife is short of 7 years NI contributions to get the full new State Pension and we are going to plug the gaps by buying years. During the years that she has no NI contributions, she was self employed as a Childminder on low income/low profit and hence exempt from paying National Insurance. In hindsight we should have…
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How are the phone lines these days?
My wife needs to top up 2 years of NI some time in the next 8 years from post 2021 years going up to 2033 when she reaches SPA. We have not progressed this up to now due to the mad rush. Are the phone lines still blocked most of the time or has the rush died down for the minute?
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Topping up missing years pre 2016
Hi, I have checked my state pension forecast and have the following information. Retirement date may 12/ 2035 Current forecast as of 2022 £140.74 p/wk Cope £8.65 p/wk Pre 2016 years full 24 Post 2016 years all not full. Pay another 11 years to receive max of £203,85. After looking at the forecast I have a couple of years…
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National Insurance contribution black hole - anyone originally from Jersey?
HI forumites. I wonder if anyone has been in this situation? I am originally from Jersey and moved to UK to work back in 1994. I came with my number (same digits as UK NI) and that was what I was told I could use on my first day. I had the same number till 2002 when the DWP thought I didn't exist and I ended up with a new…
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State pension boosting set to become easier as new online tool to launch within six months
A new online service designed to simplify how you check and pay for voluntary national insurance (NI) contributions is due to launch before the end of this financial year, the Government has confirmed to MoneySavingExpert.com (MSE). Read the full story here. And if you haven’t already, join the forum to leave a comment.
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Topping up shortly before SP claim letter is due
I’m helping a friend who is not computer literature with
claiming her State Pension. She reaches SPA during February 2024, so should
receive her claim letter in the next few weeks. She had a shortfall when I
checked her forecast recently. My friend phoned DWP and HMRC and has the
reference number and details to pay 2 post…
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Possible to Buy 1 Additional Year
Hi, been looking at queries regarding buying additional years for state pension. My situation is this - NI Record to 5/4/23 shows an ESTIMATE of £199.08 per week It states I need to contribute 1 more year before 5/4/31 to get max of £203.85 I have 43 full years contribution from 1980/81 to 2022/23. I worked in the Civil…
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Viability of Government pant ion in 15/20 year?
I want to top up my state pension but honestly I am concerned that in 15/20 years there will be no state pension. They are spending and have spent so much money to date and I just don't foresee the government having any money left to give us our pensions in the end. You hear of companies not being able to give their…
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State pension Top Up - Class 3A NI contributions - anyone claimed these with their State Pension?
Allegedly worth £25 per week when purchased in 2015. It should be possible to claim them when claiming your State Pension.Has anyone actually done this? No-one at DWP seem to know anything about them. I would be grateful if someone who has successfully claimed could suggest a department who may be able to deal with these…
