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Grandparent Topup's - Specified Adult Childcare Credits
My wife is 62 and shy of a full state pension by 4 years. We will be topping up but obviously would like to pay as little as possible. Our grandson was born end of 2019 and even during covid she has been looking after him. Our daughter-in-law apparently only got SMP and didn't get enough to pay NI or tax. We have tried to…
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Claiming if pension is in payment
Can someone tell me if I can claim extra years for my wife if her pension is already being paid? Her dob is 28/4/53 so she is on the "new" pension.
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Should I pay missing NI contributions , if I’m 35?
Hope someone can help, I’m 35 and have missing NI contributions: 2012-13 £126.80 2008-09 £824 2007-08 £824 I have another 19 years to 5 April 2056 to contribute to state pension of which its prediction is £203.85 a week. Would it be valuable to contribute to my missing NI contributions?
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Is it possible to top up when I am a non resident.
Before spending hours on the phone etc I thought (hoped) someone may know the answer to this. I have been resident in Austria for 2 years, my UK pension is a couple of years short on contributions due to not working for the last 10 years or so and I think some time contracted out. So is it possible for me to buy these…
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Can’t add NICs. Is it possible to make voluntary NICs in future years.
My wife is receiving her state pension of £186.39/week, she was 67 last
year. She has 32 years of full contributions, the most recent missing year is
1995/6 so is unable to pay for any missing years. Can she make voluntary
contributions for this tax year and subsequent ones in order to achieve a full
state pension?
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Topping up NI contributions after working abroad
My state retirement date is Dec 2028. I have been working and paying tax in Gibraltar for the past 7 years and I understand that I may be able to use time spent abroad to make up the missing years of NI (showing as 6 on Government Gateway). Has anybody done this and if so, can you tell me how I go about it?
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Ex Military Opted Out
I joined the Army in 1971 and served 24 years. During my service, the Public Services 'Opted Out' of NI payments (Reduced donation to allow for more salary is how it was sold to us). I finished my service in 1995 and went into a further 21 years of engineering employment where full contributions were paid, and from which I…
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NI Payments remain the same after reaching 35 qualifying state pension years (and SP2)
Hi folks, I know there's a lot of chat about state pensions, options to pay-up missing years and delaying taking the pension (to boost future years income). However, my first question may be a little basic and obvious (although not a lot of answers out there searching on the internet). My questions are: 1. Once you reach…
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State pension top
I am a 62 year old retired teacher in receipt of my teachers pension. If i don’t work during again (not at all likely) before reaching state retirement age at 66 and a half I will be 4 years short of the full state pension despite 41 years of contributions. Is it worth making up the extra 4 years as I would inevitably pay…
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NI Credits
I am after some guidance after being given contradictory advice from the future pensions department. I am due to claim my state pension in April 2024 and need to pay four years NI contributions if I wish to claim the full pension. When checking the gaps in my records, there was a period from 2005 to 2008 when no…
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Confusion over Voluntary NIC DD
I've just had a letter from HMRC saying I need to pay an extra £226 to cover 3 months from Jan-April 23. However my direct debits were paid every month up until (and including) March and then for some reason just stopped, even though I have been paying voluntary contributions every month since July 2019. They haven't taken…
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Over-paying voluntary NIC in case future gov changes finishing post?
I wonder if it's worth paying more than the currently necessary years in case a future goverment changes the rules so that, for example, by the time I retire, the qualification for a full pension might have increased to 40 years of contributions?
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Voluntary NI contributions to top up state pension - how do I pay
I've done all the calcs and followed the guidance and spoken to the various helplines - and now I'm ready to pay for one year at least But I can't find out where and how to do it! Advice please
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Daily Mail feature on topping up the state pension 14th June 2023
Money Mail (Daily Mail) today has headlined a three page feature on topping up the state pension by paying for 'missing' years of NI contributions, taking credit (sic) for the extensions of the time period by ten years and the new deadline of April 2025. Unfortunately they have promoted the opportunity with sensationalist…
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Paying Class 2 voluntary NICs whilst living in Canada
My son moved to Canada in 2012 and has been working there ever since. He has no plans to return to the UK. Currently he has 9 years of NICs. I know with the bilateral arrangement with Canada he can use his Canadian equivalent of NI so he meets the eligibility here for the minimum of 10 years. However it appears that he can…
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Consecutive years contributions
I need 35 years contributions to get full state pension, so do they have to be consecutive years? I have 2 years 'not full'. 2010/11. 2011/12. I have 28 full years. I am not due to retire until 2042😩
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Future Pension Centre helpline
Is anyone else having problems getting through to the FPC? I have been calling on and off since February. I have tried calling at all different times of the day, but once navigating to select the option "I have a query about my state pension forecast" I then just get cut off. I wouldn't mind if I managed to get in the…
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Why don't HMRC and DWP talk to each other?
This discussion was created from comments split from: NI Top Up Deadline Extended To 5th April 2025.
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State Pension Top Up - very very small shortfall
I am 59 and have taken early retirement. I don’t plan to work prior to receiving state pension. My forecast is 18p per week short of the maximum. All years complete since 2006. Not really a problem, I know!! Is there any payment I can make to gain the maximum state pension that is not £800ish?
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Pension top up
This has probably been covered before, but I can’t find it. Apologies for the repetition if it has. I’ve just had a look at topping up my pension, I could add on another 10 yrs. the question is, I live abroad and have done for the last 11 yrs. am I allowed to top up as I wasn’t in the country during those unpaid years, and…
