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Confusion over missing NI qualifying year
Hi there, Just wondered if someone with genuine knowledge might be able to help me with my confusion, having had mixed advice from HMRC themselves! I have a gap in my NI record and its for the year my first daughter was born (end of April 2006). I was made redundant during my pregnancy - company when into administration -…
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Buying additional years
Hi all, Been trying to get through to the helpline with no luck, will try again tomorrow am at 8. In the meantime if anyone could help it would be much appreciated. I'm currently forecast to get £156.24 per week. I could get this to the max if I work more years, but I'm looking to leave the UK next year (to an EU country -…
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National Insurance Helpline
I have been trying for 12 days, 4-5 times/day to get through and make additional contributions to my State Pension. I CANNOT get through no matter what time of day I try!!! I've especially tried at and just before the lines open at 0800 many times. What else can I do????
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Voluntary class 2 NI
I am self employed and have another 6 years class 2 NI to pay before I retire. I understand that if I were to earn under £6725 I can pay voluntary class 2 NI. What about if I have no self employed earnings for that tax year, am I still able to pay voluntary class 2 NI?
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NI Top Ups
Like many people I've tried repeatedly to get through to the Future Pensions Centre with no luck. I'm trying to work out if it's worth husband paying to top up his NI contributions before the July deadline. @molerat if you could offer any words of advice I'd appreciate it. He is only 45 so right on the younger cusp of the…
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Voluntary NICs starting at 58 years old
Hope someone can help. I am and have been an expat for most of my working life. I'm only now trying to figure out my finances (I know) for retirement and looking at options. I know you have to have at least 10 years of contributions to qualify for the state pension (I have one year), meaning I've missed the boat. Is there…
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NI Contributions
According to my online NI record, I have * 33 years of full contributions * 7 years to contribute before 5 April 2030 * 11 years when you did not contribute enough Does this mean that I need to contribute 11 years to get a full state pension ?I will be 67 in 2030. I have 33 years of contracted out credits I was not…
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Voluntary NICs
Has anyone tried to get through to speak to someone about making voluntary national insurance contributions ? The government website says contact the Pension Service . Every option I pressed came up with the suggestion of referring to the government website . After numerous permutations I eventually got through to a human…
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NI contributions
Hi, I have been self employed sole trader for 38years & recently checking my state pension forecast it says I haven't paid any class2 contributions for all those years , I have tried to contact future pension line but can never get connected, I realise I can make some payments to fill some gaps but wondered if anyone had…
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Paying class 3 National Insurance top up for short years
Hi I'm 62 and have received a letter from HRMC (a miracle in itself as contacting them by phone is impossible) and they've listed 5 years where my NI contributions are short. Two of those years I'm only just short so it makes sense to pay the extra. However when I try to pay via the HMRC website there does not seem to be…
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Is it too late to pay voluntary NI once you are in receipt of state pension.
An ex colleague of mine who turned 66 last July is receiving a reduced state pension as they stopped working in approximately 2010. I’ve been trying to find out if they can still top up their NI contributions from 2010 onwards to get their state pension increased? Prior to this they had worked full time since the age of 18…
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Extra National Insurance Contributions.
Hi there, I am getting somewhat confused about whether I need to pay for some extra National Insurance contributions. when I check on the Gov.uk site, I am showing 42 years of full contributions. However, when I check my pension forecast, it shows my estimated pension is £174 per week. If I contribute another 5 years, my…
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Voluntary National Insurance Contribution..?
Good day one and all.. a query if you will. I have the opportunity to pay £951 in missing NI contributions for the years I was travelling (2016/17). I am currently sitting at £136.29 in pension after 24 years of work. My statement online says 12 more years of working out of the next 27 years and I get the full pension…
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Missing NI from 2010 to 2011
I’ve been a harvester of good info from this forum
for many years but it’s time for a specific question that I hope someone can
help us with. We’re looking to buy a few years NI contributions
for my wife to improve her state pension. She’ll be 60 in November. We could do with some help working out which years
are worth…
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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??
