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Confused about topping up before deadline, from Spain
Hi, I really need some help with the state pension top-up deadline. My situation: I'm in my early 50's and have been living and working in Spain since 1998. Before that I paid three years of NI contributions in the UK, but have been paying state social security in Spain ever since. My State Pension summary (from the HMRC…
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Why am I not receiving full state pension?
Checking my NI records I have full year payments going back to 1963 up to 2013 when I retired, but my state pension is only around £764 and I understand it should be more. Any ideas or suggestions would be very welcome. Thank you.
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National insurance forecast
I have checked my national insurance forecast and I am up to date as have been contributing since 1985. I want to retire at 60 but my state pension won't be given to me until 66. Do I need to pay for additional years to cover these gaps
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Panic about partner's state pension - he never registered as self employed!!
Hello, I am panicking about this, so if anyone has any advice whatsoever, I'd be extremely grateful! I have checked my partner's state pension forecast on the gov.uk website, and it has a list of gaps in his NI record going back years. Our accountant says it is because he never registered as self-employed. He's been filing…
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Paying voluntary NIC's online
Hi all. Hoping someone can help me with this. I'd like to pay for 5 incomplete years of NI contributions before the deadline on 5th April. I'm 40 years old so i understand i don't necessarily need to do this as i should still be able to work enough years from now until i retire to make up my 35 years NI and be eligible to…
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NI Shortfall
Whilst working overseas for many years I was liable to arrange any tax payments due to the ukWould this suggest that I was self employed and able to only pay class 2 NI to pay for missing years
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Opting out of SERPS and state pension
Hi I’ve just found out I only have until 5th April to pay 7 years missing NI contributions. I remember opting out of serps years and years ago. I don’t remember ever opting back in. I’m not even 100% sure what serps is. On gov.uk I’m forecast to receive £183.07 per week state pension at the moment. It says if I pay approx…
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Buying years for state pension
Hi, my husband viewed his pension forecast a couple of weeks ago. He had four years not full from 2019 to 2023. To obtain a full pension of £221.20 he would need to pay for those four years. Having got together the money to buy his shortfall we went on line again last week. His forecast now says that he needs to pay for…
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Should I top up?
I reach state pension age in July 2025. I know Martin says it's advisable to make up any shortfall but the difference in what I've been forecasted to receive is £202 against full £220 (I was contracted out). To receive the full amount I would have to pay £2282. As I already receive a civil service (!) pension I will be…
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State Pension - NI Contributions & Topping Up Missing Years - Clarification Please
Hi, this is my first post, so apologies if this is a repeat query! I saw that there's an April 5th deadline for topping up NI contributions voluntarily. So I checked my details on the Gov.uk website. I need to clarify what's best to do given my circumstances. When I last checked Gov.uk a couple of years ago, it advised…
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State pension
I mean this is crazy and not something I'd ever ask about as only feels yesterday I was 21 hahaha I've logged into my state pension and have 2 years where I can top up think one is £150 and the other year is £105 but I'm I right in thinking I only have to work and contribute for 5 more years to receive the full amount of…
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Accessing HMRC site without passport / driving licence
This discussion was created from comments split from: extra national insurance (NI) years.
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18 digit reference number (Voluntary Contributions)
Do you require a different 18 digit reference number for each voluntary contribution year you are paying for? Thanks (Removed by Forum Team)
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Anxious & Overwhelmed by NI deadline
Hi, I tried to get on top of this years ago, when my mental health took a nose dive, and I knew I wasn’t going to be working, but did not want to claim benefits (employment, or medical) due to the added stress, and my sense of shame / stigma - I just wanted to pay my NI contributions, and disappear off grid for a while.…
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UK Government pension with less than 10 years credits: Possible or not?
As a non-UK national who has less than 10 years of NI contributions, can my friend obtain a reduced UK state pension in the future? Or does she need at least 10 years of contributions. She is from Poland and she is working back there now. She can top up to get 10 years of NI contributions. But if she doesnt, will she get…
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Pension Advice (Missing Years)
I'll try to be brief. First thing is my wife had a baby 2013, and we claimed Chiuld Benefit for a few years before my wage went over the limit and I stopped claiming, I read though that she should be able to claim these years as missing as she was out of work looking after baby (I then read we could backdate a claim for…
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Voluntary NI contributions for those who reached State Pension Age before 6th April 2016
This must surely be an error as I can’t make sense of it. If you reached State Pension Age before 6th April 2016 how can you possibly have gaps in your NI Record from 2016 to 2018?…
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Do I need to pay all NI missing years for full state pension?
Apologies if I’m duplicating, but I’ve not found an answer to this question. I am worried about making the wrong decision re. topping up gaps in my NI contributions, and would be grateful if someone with more expertise in this area than me could offer advice. I am 60 and can draw my State Pension in 2031. I have…
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Years I want to pay are not coming up on my options online
I want to pay the voluntary state pension top up for years 17/18/19 before the April 5th deadline but when I tick all the boxes and select my options online it gives me seven different options I can pay, but these include other years. How can I just pay these three specific years online? I can’t see an option for this!…
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Paying NI for years before I moved to UK
My apologies if it's a silly questions - it may be an "edge case" or it may be a nonsense question. I am not a British citizen (yet) so the first time I was assigned an NI number was in 2014 when I moved over here, hence my NI records on the HMRC website begin from 2013-2014. Would it be possible to pay to fill years prior…
