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Full pension possible with 32 years?
Haven't paid NI since 2002 (have lived overseas since then). Can claim pension in 2025. Forecast to April 2022 is 171.12 a week and most can increase it to is 203.85 (full pension?). Cope amount is something like 29. Would purchase of post-2016 class 3 years (six or seven?) take to full pension? NI record says 25 full…
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Buy back national insurance credits
Hi could someone please help me as I have no idea as dont really understand it and not business minded at all, didn’t realise I need to pay NI 🙈 . im 45 and self employed now for the past 3 years I haven’t earned a profit and next year I won’t either buy the look of things. I have 26yrs contributions and 3 years that I…
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Confusion over qualifying years
Hi I have logged in via government gateway. It says I will get the full amount of £203 p/w if I contribute 4 more years, but then when I check my NI record it says I have 29 years of full contributions. My question is should I not need to contribute 6 more years as it also says I need 35 full years of contribution, hence…
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Voluntary NI contributions/state pension advice
Dear Moneysavers I've decided that it's high time that I sort out my state pension and I'm hoping that some generous person will save me from contacting the dreaded Future Pension Centre helpline! Here are my details: My current state pension estimate (based on my NI record up to 5th Apr 2022) is £81.53 per week. I have 9…
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State pension projection
Can anyone explain why my state pension seems higher than average as it’s only got 12 months to go .? You can get your State Pension on 14 May 2024 Your forecast is £225.82 a week, £981.91 a month, £11,782.97 a year Your forecast * is not a guarantee and is based on the current law * is based on your National Insurance…
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Future NI Contribution
I am looking to finish work due to ill heath, by doing so by my calculations this will leave me 4 years short of full contributions. Is it possible to pay for these 4 years so that if and when I reach state pension age it will be the maximum pension??
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Update of State Pension Forcast
Out of interest does anyone know when the Government website showing pension forecast and number of years to contribute updates to show April 2023 position?
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Voluntary National Contributions - reference number
Dear All, I managed to get through to the future pensions help line about 3 weeks ago and they then passed me onto the HMRC. I requested to buy 4 years and they gave me a reference number to use when I carry out the bank transfer. I will not have the funds until the beginning of June which is when I am going to pay. My…
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Can't get a state pension forecast and can't 'phone DWP...
Has anybody any advice on contacting the DWP re a state
pension forecast? I’ve already applied for a forecast through the govt gateway
but DWP have told me they can’t give me a forecast because some (6?) of my 32
qualifying years (as at 2015) had been paid in the Isle of Man, and they can’t
give me a forecast until they…
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Miss years in forecast - help!
Hi, I hope I have come to the right place! I attempted to make a payment to HMRC today. ie Making up a missing National Insurance 'gap' in my NI contributions from 2015-16. During that period I was self employed (I was running small CIC). However, the HMRC member explained that although I had been self employed during…
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Changes in Circumstances and Voluntary NI Contributions
I'd appreciate a sense check of, and any advice on, the following. Until now, my post-employment tax situation has been very simple. There have been two considerations, how much taxable interest I have earned in the year and how much I decide to draw down from my pension every March. The amount I have chosen to take is…
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National Insurance Voluntary Contributions Advice needed
Newbie here seeking advice for my wife. We have failed to get through to the Pension Centre and hope the experts on this board can provide advice, The facts I think you need are as follows; 1. My wife reached SPA in July 2021 and started receiving her pension at that time. 2.As at July 2021 we cannot be certain of the…
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Helpful link for queries re paying voluntary NI
This might be helpful reading for the many people who having a frustrating time trying to get through on the telephone (although in some cases I'm afraid that's still going to be what you need to do): https://community.hmrc.gov.uk/customerforums/ni
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National Insurance Record: Gap in 1 year, not sure why!
Recently checked my NI record, and it is showing a gap (or year is not full) for year 2021-22. Although it was a bit of an odd year - I was only on a paid salary for part of the year (no P60 as I was not employed at the end of that tax year). I'm still not sure why it's a gap - as that year I had paid more NI that the last…
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Future Pension Centre
Is anyone able to get through to this body? I have tried both the free number and the outside uk no. but it just goes round and round on a loop if you choose option 4. I have 43 years full contributions but am missing 6 years and I am trying to find out whether it is worth my while paying the outstanding sums.…
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Voluntary NI contributions to top up state pension
I am trying to help my dad top up his NI contributions as he has gaps in his record. Dad has retired. We have calculated the eligible amounts from his NI statements but are not sure if we can just go ahead and make the payment and this will automatically allow DWP to recalculate his pension, or whether we need to call them…
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how long till NI payment results in increase?
I paid for one of my missing NI years in early April and I am wondering how long it might take for the increase in my pension. Has anyone received their increased pension yet?
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National Insurance Queries
Hello, Hoping someone out there can please help me with a couple of queries that I have. Firstly how many contributions are required for a female born in 1948 for the full basic pension? I have two figures both from the HMRC site one states 39 years and the other states it is 30 years now. This is on my age not the new…
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Cut off from Future Pension Centre phone line - is there an easier way to sort things out?
Hi, Is there a "sticky" anywhere detailing what one can do if you can't get through to the Future Pension Centre phone line? I called this morning, navigated the menu, got an engaged tone and then was abruptly cut off - so not held in a queue. I've got a UK pension forecast and have quite a few missing years (I turn 60…
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Future Pension Service - help with calculation
Hi All, I've been trying to get through to the FPS, but haven't managed this yet. I've done the following calculation based on information on here. I wonder if someone could run their eyes over it and tell me if I am on the right track. This is for my wife, who retired from a public sector job in 2010 and reaches…
