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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…
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Pay back NI for year living abroad
Good morning I've immigrated to the uk in August 2015. I have NI contributions since that date, including credits from child benefit. I am 53 years old. Can I buy NI from years before 2015 to top up my future pension? Also, I have about 20 years of contributions paid in my country of origin (Portugal). Would these count…
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Can you store NI credits for future use?
I've been looking after my grandchild since January 2024 and would like to make a claim for 2024-2025 tax year which I know I can't do until October 2025. My grandchild's mother works and claims child benefit and therefore has two claims on NI credits, one of which could be transferred to me. But she has asked if she can…
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NI Credits When Child (young adult) in Full-Time Education
Hi all, new to this so here goes. Although it has probably been covered in past posts, I am trying to check my wife's NI credits for the period our son was in full-time 'A' level education. Checking her NI record it would appear that the credits fall short past his 16th birthday. How do we check or claim, if indeed we can,…
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Living abroad and Topping up national insurance contributions - living abroad
Hello, could you please help? I have 13 years national insurance contributions. I live abroad and have had confirmation from HMRC that I will pay class 2. My questions - How do I pay it? Are there bank details somewhere? I have a uk bank account but no idea of payment/bank details of HMRC. Also must I make one payment for…
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Selective topping-up for years when working abroad?
I have five years of contributions to make in order to qualify for maximum state pension. It is very unlikely that I will make any further contributions before I reach pension age. I worked abroad for 10 years between 2008 and 2018 so am thinking of making a claim on CF83 - as I moved abroad with my work and was working in…
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Topping up NI Contributions and Specified Adult Childcare Credits
Hi, A bit complex, but was looking into my Mum's state pension. She retires in May 2029, currently has 22 yrs NI contributions, 13yrs short of the 35 years to get full state pension. She has been looking after my child, and her other grandson since 2021. I have submitted a form last month to gift her 2022-2023 NI…
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Not long left and no idea what to do!
Hello Everyone, I’ve tried to read as much as I can on the subject of topping up but am still none the wiser. Will the help line give advice as to whether it’s worth doing so or not for my particular circumstances? I think there are so many knowledgable people on here who could probably advise, but not keen to post detail…
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Multiple part time jobs & National Insurance Contributions, State Pension
Hi there, I'm sure I'm not the only one in this particular pickle, here's my question! I work as a carer and have multiple part time jobs which added together adds up to an equivalent full time job. The problem is each mini job I have comes under the LEL (Lower earnings limit) to qualify for National Insurance…
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Should I “buy back the years” since working in the EEA to boost state pension?
Firstly, thank you for everything you do MSE! I have 9 qualifying years from the UK on my National
Insurance record. In 2006 I started working in the EEA and understand that the
time I have spent making contributions there can be added to the years in my UK
National Insurance record, meaning I will qualify for a UK State…
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0% tax payer pays no tax on accrued state pension
I cannot find a financial advisor who agrees with the discussion title.... however, from what I've read, a pensioner who has accrued their pension and claims it when they retire from work (and their state only pension is below the personal allowance) is 0% tax therefore their accrued pension lump sum is tax free. I did…
