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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…
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CWF self employment Tax form missing state pension years
My wife has been self employed for 12 years but going back she didn't know she had to register as self employed using a CWF1 form although she had an accountant no one told her. i understand people would say ignorance is no excuse. however she has been paying class2 NI for the last 12 years but the tax office has said its…
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Is the future pension forecast calculator on gov.uk reliable?
When I go through the process to find out what DWP forecasts my pension to be when I retire when I am 67 in a few years time it says I will get the maximum and I cannot increase that amount. Is this forecast reliable? I don't want to discover that there was something wrong with it when I would be claiming the pension? The…
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Help needed with my state pension forecast / record please
Hi I am clueless on my state pension stuff 😔Can someone help please? I'm 58, and my N.I. contributions began in 1982. My page says I can't improve my forecast anymore, but my N.I record says I can top up a gap from 2009-2010 at a cost of £63.40.(I was newly self employed here and must have messed up with voluntary…
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Am I misreading gov.uk advice about not needing to top up my state pension?
Hello My pension forecast says I am on track to receive the max state pension as long as I keep working for another 3 years. Looking at my NI contributions, there are 3 gaps between 2006-2009 that I did not provide enough NI for. Each gap year's contribution should have been £825 apparently. The Gov website says I don't…
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Confused about the extra Pensions contributions
Hello, I went online to see if I could contribute to make up missed pension years (was living overseas). I have about 6 half/full years missed and I'd have quite a large amount to pay by July to make up for it. I'll 45 and fully expect to be working at least another 15 years (it says another 22 years) so should I not worry…
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Missing Call Back from Pensions & Retrospective Claim NI Credits
I requested a call back a few weeks ago to avoid missing the 5th April deadline for buying back NI contributions, but I'm concerned that if they call back and I miss the call then the deadline will still apply or whether they will try ringing again on another date (doubt it). I wish they would make it clear, as surely not…
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Topping up pension
Hi I have missing years on NI contributions from 1975-1978 and also 1992-1993. Is there anything I can do to top up on these contributions please as has affected my pension from 2015? Many thanks Rose
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how last year does not count ni
when phone them i was inform my last year of ni does not count towards my pension which means i 1 year short full pension . yes i did my taxes and paid ni for that year . how can this be correct
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Do I need to top-up?
Initially, I thought no but I'm getting a bit paranoid that I might have missed or misunderstood something. Can you tell by the details below whether I need to top up or not? The last few years after COVID have not been great for me unfortunately. Thanks for your help.
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Working out the £ boost that missing years would bring to my weekly estimate
Hi everybody, A few up front details from my Gov Gateway page: I will be able to claim a pension in 2049, with my forecast (based on payments up to 5/4/2048) being £221.20 p/w if I contribute another 24 years. The estimate based on my NI record is £73.34. There are 11 gaps available to fill, dating from 2006 to 2024 in a…
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Benefits of topping up
I'm a bit confused about the top ups I was 66 in jan 2024 so already claiming a state pension. I looked up on the gov website and its says that I had a shortfall in two years that have to be topped up before 5th april 2025 BUT it doesnt say what affect that will have on my pension How do I know just how much extra this…
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NI contributions during my PhD
I have a gap of 6 years for my NI that corresponds to the time I was doing my PhD, during the last 2 I had a child (hence the extra years), I was only paid for 6 months as that was their maternity allowance but I wasn’t aware of childcare benefits and I only opened a tax free childcare account when my daughter was over 2.…
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Class 2 contributions when self employed
Hi I have been self employed since 2002 and have completed self assessments every year. I have checked for gaps in my NI contributions and have gaps going back to 2008/2009. It is stating that the cost of filling my gaps is £824.20 for years 2008 to 2020, £795.50 for 2020/2021, £800.80 for 2021/2022, £824.20 for 2022/2023…
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Future Pension Contact
Hi, Can see they open at 8am, has anyone experienced a shorter waiting time in the morning? Looking to call at 9am after the school run. Also, will they speak to me if my Mum gives permission? She has limited english, but can confirm the basics when she is with me.
