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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…
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Cheaper to buy extra years from abroad
Hi everyone, Wish I'd found this forum sooner! Sorry if the answers are already here somewhere but I'm up against this deadline. So a couple of questions. I lived abroad for a few years (and am doing so again) so I have a gap in my NI contributions - am I right in thinking that I can buy cheaper class 2 contributions for…
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Unable to assess whether I should backpay or not? 34 year old with otherwise stable finances
Hi all, Many thanks in advance for anyone reading / commenting. According to Martin's guide, it's likely not worth me making these payments, but I would still feel more comfortable if I could have some third-party comments on my situation. I have 6 full NI years on my record, and this is my current NI gap situation: Those…
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Missing Gap Years - Cheapest Year Ignored
I am due to receive my state pension in about 3 and a half years time.After checking online I see that I am 3 years short of getting a full pension, and would like to buy those 3 years.I am no longer working so won't be paying anymore NI contributions.When checking my missing payable gap years online, (I have 10), the 3…
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National Insurance gap why so much?
Hi, I have a gap for 2022 to 2023 for £500 and a gap for 2023 to 22024 for £900. I don't understand why the amounts to be paid are so high as I was solely self-employed for those tax years and my SE profits from 2022 to 2023 were only £1800 and £2500 for 2023 to 2024. I thought that the class 2 N.I. rate was around £160 to…
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Can you backdate class 2 eligibility?
Hi, I am trying to backdate my eligibility to fill some gaps with class 2 contributions. Since 2017 I’ve done tuition in the spring term. As I earned below £1k a year I did not submit a tax return. I never realised I would benefit by registering as self employed until now when I realise that this would have entitled me to…
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What if the state pension rules change?
Hi all, first post here and hoping to get some advice. I’m due to receive my state pension in 2037 (I’m 54), and I have 23 years of contributions currently. I will not be paying any more NI as I am not in work and almost certainly won’t be in the future. (I have a couple of properties and can just about get by on the…
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Worth paying missing NI years to be able to stop working (and paying NI) before 67?
If I work to 67 I'll have the full 35 years NI payments, but only just, I've got three gaps from time abroad. If I were to pay these gaps now, then I could stop work at 64 and still get my full state pension at 67 (I hope to have enough private pension to tide me over till 67). However, I'm wondering if it would be…
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How do I make sure my NI claim is registered before 5th April
I have been trying for two days to get through to the NI office as they say I dont have a full year 2014/2015 but my accountant who I had at the time says that is incorrect How do I make sure I dont miss the 5th April deadline or at least get my problem logged with them ?
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HMRC options to buy back NI years.
I'm reach State Pension age in September. I use the HMRC App and they are offering me 2 options to buy additional NI years. The options give me either an additional £6pw or £12pw. Whichever I choose, it would take two years to break even. I've got to decide by 5 April. My questions is; Do these options include the…
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State Pension - How many years NI?
Hi all Does anyone understand how the number of qualifying years is calculated for full state pension? I know it's now 35, but the years before 2016 can alter that, as can any periods contracted out. Just check my NI record and pension forecast and am confused I am 49 years old, have 29 full years (3 years from school post…
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Buying National Insurance Years Back for your pension
I am a 41 year old man who found out about this thanks to the real-life super-hero that is Martin Lewis. I realised I had NINE NI years that weren't full and I could 'buy' - and it also forecast that it could improve my pension by up to around £50,000 Only catch... (isn't there always a catch?) - it would cost me £7,714 to…
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Topping Up From Abroad
Hi, I'm getting all turned around and I'm hoping someone can advise me, please. Myself, my husband and I live abroad, now within the EU. I have 7 years NI paid and a few partial years paid. My husband has 3 years paid and a few partial. To bring both of us up to the 10yrs minimum will cost us about £4k. At the moment, we…
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How are Class 3 contributions shown on your record?
Hi I'm sure someone can tell me - if I bought Class 3 NI contributions how would they be shown on my HMRC record? I can see the Class 2 I bought are shown as Self Employment but I need to know how any Class 3 contributions would be shown. Many thanks for your replies.
