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Voluntary contributions
How on earth are ppl able to pay their voluntary contributions for the state pension top up, when every single time we phone through we get told the same rubbish, 'to pay before the July deadline' then get disconnected 😡
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Voluntary NI payments deadline 31st July
I understand that this deadline means you won't be able to pay into years before 2016 after the 31st July, but does it have any cost implications for years after 2016? I have a shortfall in years after 2016, do I still need to get them done before the deadline or will the cost still be the same after that date? (in which…
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NI Voluntary Contributions - Stuck in the middle
I'm about to turn 46 and lived abroad for a while and was out of the job market so have about a 7 (1 partial) years gap. I checked my record and my pension record is as follows Before 2016 (Between 1993 and March 2016) 17 x full year contributions 1 x partial contribution (which I can top up) 4 x no contributions made…
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To top up or not to top up
I left paid employment aged 60. As my forecast is calculated for 5 years when I reach state pension age at 67, I don’t believe it’s worth topping up previous gaps as I will have 7 years missing anyway. Thoughts please.
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State pension NI contributions confusion
Hi MSE clever people! I wonder if anyone can advise about qualifying NI contributions for state pensions? My wife and I are pension planning and have both obtained our state pension forecasts through the gov.uk "check your state pension forecast" web site. My wife's preduction is slightly below the full pension (I can give…
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State pension
My wife's 66th is 25th August 2026 however her pension start date is 27th January 2027. Why is her pension around 5 months after her birthday?
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Buying national insurance years
I have 9 years to buy to bring me up to 35 years contributions, I've been getting NI credits for the last 3 years, can I buy the 6 years previous to that? Then I can stop having to sign on for credits and doing job searches as I'll be paid up,
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National insurance buying years
Hi, I've recently successfully bought some missing National insurance years. They gave me an 18 digit code to send with the payment. I now have some more years that I'd like to buy back. Do I need a new 18 digit code or can I reuse the first one ? Thanks
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Buying National Insurance Years, which years are filled first?
I've spoken to the Pension Forecast people and they have confirmed that I'm 8 years short of a full state pension and have given me my 18 digit code to buy the additional years. The cost of buying individual years currently varies between £795.60 and £824.20 so I was wondering if I don't purchase all 8 years in which order…
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Voluntary NI Contributions - Which Method of Payment?
I've been fortunate enough to get through to the Future Pension Centre and was transferred through and successfully obtained my 18 digit reference number.When asked by the advisor how I would pay I suggested from my online bank account. However, I see that on Gov.UK, there are two 'online' options to pay…
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Making up my NI shortfall
My NI statement obviously not updated yet but as of April 2022 my forecast was £187-41/ week and requiring 3 more years contributions to get £203-85/ week ( I had contributed 35 years at that time) . 55yo this year So another year has now been knocked off. I will work this tax year FT til end of July then part time…
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NI Information
Ihave phoned and been told that a paper printout a forecast based on my NI payments over the years.Ihave just made 65 years of age this month.What does type 3 credit mean?
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State pension top up for part year
I currently have: * 17 years of full contributions * 1 year when you did not contribute enough * 34 years to contribute before 5 April 2056 I can pay a voluntary contribution of £364.55 by 31 July 2023 to top up the part contribution year.Part of me thinks it's a no brainer to pay that amount to top it up as good value for…
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Missing contributions - but is it worth paying?
I'm 52, with 22 full years of contributions and 15 years to contribute before I retire. My record says I have 6 years where I did not contribute enough, 2 of which (2011/12 and 14/15) are "being checked", and another 4 stating that I can make voluntary contributions of £800-odd before 31st of July 23 (these years are…
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Do National Insurance Credits Get You the Full Pension?
Just checking my NI record. Do National Insurance Credits qualify you for the full state pension?
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NI Contributions
I have checked my NI contributions and from 2008 till 2015 i am missing 824 ( the full year) contributions I was living overseas from 2001 and by 2008 i was self employed with an accountant that i paid all local contributions and tax though. How do i now consolidate this as i know longer live in Cyprus and am currently UK…
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Future Pensions
i will not make any further comments re getting through to the above ! you could waste an entire week trying it seems! in the hope that there might be someone with the knowlege out there to help: I am female will be 66 next feb I stopped working 5 years ago and have a couple of small HSBC pensions ( one of which will be…
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Too late for AVC
I initially posted some time ago about starting an LGPS AVC with Prudential. Life and ailing parents overtook me and I unfortunately didn't get round to starting it. I am now in a position where I am considering retiring in November at 59, (a very tenuous consideration I have to add). I have between £20,000 and £40,000 to…
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Counting National Insurance Years
I’ve had a quick look through posts to ensure this hasn’t been covered before but apologies if it has. I’ve recently taken voluntary early retirement aged 56 and taken my reduced final salary pension. As of now I have 40 years full national insurance years and the HMRC forecast tells me I have enough years. So, all is good…
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Years of Full National Insurance Contributions - 36
According to Gov.uk they have confirmed that I have 36 years of full NI contributions but have also confirmed that I am forecast to receive "only" £163 per week when I am 66 (in a year's time) I was under the impression that 35 + years should qualify me for the full £203 per week. I know such calculations can get…
