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Topping Up State Pension with Years when Not Working/Not Self-Employed
I've been self-employed for most of my life and have paid Class 2 National Insurance Contributions. Due to ill health, I was unable to work for a few years so as expected, my State Pension Forecast is approximately 88% of the full amount. Having checked online on the government site, top-up years are quoted at £824.20 per…
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It's impossible to contact HMRC to pay voluntary NI contributions, any ideas?
Hi, I need to pay a few years voluntary NI contributions from way back, before the deadline on April 5th. I've called multiple times, but the automated woman just says you can find info online, sorry we can't help you more right now and then ends the call. I can't find any way to be put on hold to speak to someone! I also…
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Moved to Cyprus aged 25 in 2004. No full years UK NI Contributions. CF83 for Class 2 Contributions?
I'm looking for confirmation I've understood the NI38 / CF83 eligibility correct, allowing me to contribute Class 2 payments from 2006 onwards - below is my history. From the 1997/1998 period up until the 2003/2004 financial years I have 0 full years of paid contributions (year is not full) listed (all partial years, apart…
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NI top up: registering interest to pay whilst disputing amount? Is there an address I can write to?
Hi folks, not for want of trying I'm having an absolute nightmare helping my partner sort his NI gaps out. There's 3 years they haven't allocated the payment to his account and it's sitting there in unallocated credit. There's then 8 years to pay at the £824.20 rate which I've been seeking advice on and it seems I'm…
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Child benefit NI credits for part year
Hi, does anyone know what happens when your child turns 12 with regards to NI credits? I need 9 years to complete my NI record & my son turns 12 halfway through the 9th year. Does that count as a full year of class 3 credits or just a partial year? I’m trying to decide whether or not to pay the shortfall for a partial year…
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Years Abroad - can I still do retroactive NI contribution
I was abroad for about 2.5 years. I missed some NI contributions in 2010/11, and all of 11/12 and 12/13. I clicked on the "Check if you can pay for gaps online", answered the questionnaire (I answered yes to I was living abroad)" and now I am waiting for a call back from the Future Pensions helpline - could take 8 weeks…
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Is it worth buying preemptively?
Huge apologies if this has already been clarified but I have been reading for days and I still am not clear on my situation. I am not a UK national but lived here first in 1999, when I worked and got my NIN. I went back home but I came back in 2009 and have remained since, with indefinite leave to remain status. I have…
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Paul Lewis on Topping up your pension
Quite a good explanation from Paul Lewis here on why you may need more than 35 years to get a full state pension I don’t get full state pension though I paid in 46 years of NI – why? Paul Lewis replies
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National Insurance Records - still not up to date
I paid on line, from the HMRC website, for some years of National Insurance on March 5th (2025). My records have not been updated and its three weeks later. It is supposed to only take 3 to 5 days according to the receipt. Does anyone else have this problem? Thanks in advance.
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Self-employed Class 2 National Insurance voluntary payments confusion
I'm in my 40s and been registered self-employed since 2015 for my small crafting venture but haven't had to submit a self-assessment due to income under £1000. I've been looking at making voluntary national insurance contributions and was told by HMRC that I could pay 6 years (2018/19-2023/24) at the Class 2 rate but for…
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Is this missing year worth buying?
I've been claiming state pension since 2021. After many confusing/contradicting discussions with HMRC/DWP, I find I have a shortfall (£5.40 per week) corresponding with one year's missing NICs for 2018/19, the amount to pay being £824. (During this period I was ill and we were on Pension Credit but I did not claim…
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HMRC Call Back Wait Times
I requested a call back to discuss my letter to HMRC asking how much I can pay to top up my pension and took a screenshot of their acknowledgement of my request. I'm worried I might miss a call back from them. Will they text me first or just call? I would be grateful for any help here. Thank you
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Class 2 Stamp and state pension Urgent!
I am self employed with my 66th birthday in June. I have been self employed nearly all my life except the years I spent in the British Army. I haven't enough class 2 contributions for a full state pension, I have bought the last six years class 2 stamp. I wish to purchase pervious years until 2006 class 2 stamp, is this…
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Unable to acquire 18 digit reference number
Posting for my partner. Straight forward case of having to pay for some years class 3 contributions to fill some gaps. The HMRC app said that it can be paid online and she could get through to the payment interface in the app. This was a while back and now she wanted to make the payment now and it says that it is not…
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Parents missing NI Years CF411A
My mum has 49 years NI and will be getting full state pension in May 25. My stepdad doesn't receive his full state pension and has missing Ni Years. He is already retired. During the years 1992 to 2001 my mum claimed child allowance for 10 years ish and received NI years for this. Is it true that these years can be…
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Paying for gaps in state pension
Hi all, I'm checking my wife's pension for her and it's saying she is 2 years short. She has a part year where she is 2 weeks short which requires a payment of £31.70 but this is not an option when she goes to pay online. I've attached a couple of screenshots to make it clearer. Does anyone know if the option to pay that…
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NHS pension - shall I transfer to an ISA
I am after some advice please? After 20 years service in the NHS I was made redundant in February 2025. For now I have froze my NHS pension to take out another time. However friends are telling me to transfer it to an ISA. Would anyone suggest this or leave it in the NHS until I wish to draw it out? Any advice is welcome.
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Overseas contributions
Both my daughters work offshore and need to catch up some years of NI.Class 3. Given I am in the Uk I can pay more easily [ securely] from my account direct to NI. 1]. Is that allowed. 2]. Best method - I do not have bank account details for HMRC to transfer to , so should I send a chq just quoting their NI numbers.
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Some Payable options omit some payable gap years - confused!
Hi I'm a bit confused about the 18 various payment options given for 13 payable gaps, as the even the most expensive option misses out some missing years that are included in other options. Summary:Retirement tax year 2035 (not currently working, living off lodgers/savings) Forecast amount as at State Pension Age - £221.20…
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AVC post pension payment vortex
I know it's easy to make AVC to top one's pension ... I did it for 3 years before I hit pension age last year then one goes into a black hole where you can't pay online anymore. I finally got through to someone last July who told me I should have received a form in April when I started at 66 and she promised to organise…