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National insurance gap costs
Hi, I am told I have gaps in my NI record resulting in a shortfall of my forecast state pension. In being invited to fill these gaps by purchasing full years at approximately £940 a year I’m confused at how I can currently work part time and last year contribute £247 but still be awarded a full year. Can anyone shed light…
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Left on hold
I am in receipt of ESA. Monthly payments which I have received from my occupational pension have increased as they do every year. Usually I receive a stern (sometimes threatening) letter from DWP advising me that they know that my pension has increased and that I should inform them when it increases. I only discovered that…
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Is the cost of filling Class 3 NI gaps voluntarily expected to rise on 6 April 2025?
Apologies if it's a stupid question or has been asked and answered before. I wonder if the cost of filling a standard voluntary Class 3 NI gap is expected to increase with the new tax year? I'm currently (22 March 2025) looking at £800.80 to fill the full year 2021-2022. I know I technically have until 5 April 2028…
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About the Payment date without penalty (31 days)
Hi everyone. I am waiting for the post from HMRC to Colombia. I am worried the letter will come with the deadline "Payment date without penalty - within 31 days of the date of this letter" - and the post takes more than two weeks sometimes to come from the UK. Has anyone applying to make this voluntary NIC's shortfall…
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Am I missing something ...
** Also posted on the Credit Cards Board to (hopefully) cover all the bases ... I have 2 credit cards - one with £2700 of debt and the other with £3750 (credit limit £4000, interest rate 18.5%). The £2700 is a long standing debt and has just become a no interest no fee account as long as I meet minimum repayments they have…
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National Insurance Contribution top up query
I have a gap in my NI contributions from 2009/2010. I am 41. I can make this payment online today. However, it asks me the following and I wonder if there is any catch in my response. I don't know when I intend to stop paying NI contributions now as that depends on when I stop working really but it will either be when I…
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VOLUNTARILY PAID MISSING YEARS NI BUT ONLINE ACCOUNT NOT UPDATED?
I'm 61, left school in 1980 and worked until having a child in 2000. Have not been in paid employment since, as I have declining health. (No, I have not been on benefits, we manage on my husbands income). Anyway, on 6 March I voluntarily paid, via my online HMRC account over £4500 to cover several years NI contributions…
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Topping up UK pension as a Spanish resident
I have been living in Lanzarote since 2016 I have only 5.5 years on my Spanish pension I believe to get a Spanish pension I need at least 18 I am 54 years old and do not think I will manage 18years of contributions here on Spain. I have 21 years in UK pension and have currently got 145£ a week. As I am a Spanish resident…
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Is it worth paying for one year ni contributions
My state pension forcast and my estimate are showing a £4.53 a week shortfall.if I pay a one off contribution of £907.40 then I will receive the full forcast amount of £230.25.Thoughts please
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Registering for a callback from the Future Pension Centre
I registered online for a callback from the Future Pension Centre as I couldn't get through on the phone, kept being cut off etc. I wanted to speak with them as I'll probably miss their call (if they do meet the 8 week call back time frame) as I'll be abroad (non EU) in a different timezone when I travel in a few weeks. I…
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Class 2 or 3 after working in the USA
Hello all: I am past retirement age, but still working. I have three full years of NI paid, and have put in my request prior to April 5th to buy back years, so waiting to hear. My question. Most of my working life was spent in the USA where I paid into social security every year and have the record to prove it. I returned…
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7 years short on State Pension. Can't see how to pay top up
According to my statement I have 7 years where it says they are not full. If I click on each year it says: "We are checking this year to see if it counts towards your pension. We’ll update your record when this is finished, you do not need to do anything". It's said this for a few months and not changed. The years are 2015…
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NI Top Up Deadline Extended To 5th April 2025
Worthy of a post of its own. Cut off date extended to 5 April 25 and prices held at 2022-23 rates until then. https://www.gov.uk/government/news/deadline-for-voluntary-national-insurance-contributions-extended-to-april-2025
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UK State Pension Top Up Advice Needed
Would really appreciate some advice. I live abroad and
based on my CF83 results I am eligible for class 2 contributions for
7*pre-2016 years and 8*post-2016 years. 2024-2025 pension
estimate is £142.44 Qualifying years =
24 and these are all pre-2016 My COPE is
£54.39 (Thanks for the link molerat) I think my pension…
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Can I voluntarty pay for class 2 NI contributions if i'm retired?
Hi guys, I'm reaching state pension age this year but my forecast is showing missing years, as I haven't worked for last ten years due to ill health. (I early retired on public sector pension 2015) My 6 years of missing contributions adds upto £4800+ and I never paid NI once I stopped working. However, for the last 6 years…
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Overseas study and CF83 form
Hi there, I'm trying to fill out the CF83 form to pay for gaps in my national insurance record, but I'm encountering a lot of problems. In short, my overseas history is quite complicated and the form is not adequately set up to take it all into account. Some of my time abroad was funded from my own savings, so I was not…
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Completion of paperwork before call back from future pensions?
I found out recently I could be eligible to pay voluntary NI contributions for the years I worked abroad 2007-2012. Before and after the time abroad I worked in the UK and continue to live here. I went online, followed the links and it said I'd need to speak to the DWP Future pensions service/ couldn't pay online etc. I've…
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Pay NI if hoping to move abroad for some years?
Hi all. I would love your advice. My current pension forecast is £221.20 per week which is the maximum but that is based on my continuing to work 19 more years in the UK. Husband and I would love to work abroad for a couple of years with the children... I am currently finishing a course after which we may try. Some years…
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TOTALLY CONFUSED - Top up voluntary NI contributions prices after 5 April 2025 for gap years
Sorry if I am repeating another entry.... My situation is that I am currently 5 full years short to obtain the full state pension per Gateway. The actual Tax Gap being 2019-20, 2020-21, 2021-22, 2022-23 & 2023-24. I have 8 years left before I can draw a state pension. I have no intention to work during these 8 years. I…
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Pension top up for one year
Edit - thanks all, I think I’ve hit the explanations I need 👍 Hi It’s been a long long time since I was on here 😁 I’m coming up to 60, so will get my state pension at 67, but have already retired so won’t be working between now and then. I’ve just done a check and it’s saying I need 1 more year to get the full state…
