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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.
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The callback: pay over phone or later?
Just a practical question if anyone knows? I've signed up for a call back, but when that happens do I have to pay there and then over the phone? Or will they amend my online details so I can pay online, maybe giving me 3 days to pay for example? On a practical note I would need to transfer some money into my current…
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Have the reference number for paying backdated pension contributions, but how do I make payment?
I got the reference number from HMRC a few months ago to make backdated payments and assumed I would be paying online with that reference but when I log into my HMRC account and click the "Check if you can pay any gaps online" button on their website I get the following message... "There are years on your National…
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Waiting for Call Back
Has anyone had a recent call back? How long did you wait after filling in the form?
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Retiring early - question re NI top ups for full state pension.
I am due to retire in March 2030, but plan to retire next year - April 2026. If I was to continue to work until my official retirement age, I would have paid enough in NI contributions to receive a full pension. As I am retiring early, I will be 4 years short. My question is - can I, before I reach state pension age, pay…
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Would you pay these NI gaps?
Hello, I am a new user, please be gentle. I'm trying to be organised about my pension. I'm 37. I've looked on the government gateway and it says I have payable gaps from 2006-2011 (it won't let me pay these online but I gather I can tell HMRC I want to and that counts if done before the deadline). My pension summary says I…
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Send voluntary contributions form to a different address to form to claim pension?!
Hello wise folks! The IPC 056b form to state which years you wish to top up asks for it to be sent to HMRC in Newcastle. The form to apply for your pension, send in birth & marriage certificates, IPC BR1 GOV NSP, is required to be sent to the International Pensions Centre in Wolverhampton (we live in Portugal). What could…
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35 or 36 years of contributions for a full pension?!
Hello again folks, About to pay my wife's voluntary NI contributions but.... Her record, downloaded before her retirement 18 months ago, said that she had 28 years of full contributions. However, the letter she has received says she can pay 8 years, making by my maffs, 36 years! So, the question is it 35 or 36 years of…
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HMRC Agent tallied up wrong total for me to pay, if I pay the correct total will it all be assigned?
So when I called HMRC and spoke to an agent they asked which years I wanted to pay. I told them all years where I had missing gaps that were payable. She went over which years that was and it matched my list of years. She then tallied up the total, seemingly manually or using a calculator as it took her some time, and gave…
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No need to top up voluntarily but wondering if I should?
Hello there, I checked if I had any missing NI years (which I do) and was happy to pay for the missing year. When I checked the system, if I retire at retirement age for women there is no voluntary NI contribution to pay, however, If I select to retire sooner the system says I can pay a voluntary contribution. The system…
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National insurance credit transfers
Hello, I wonder if you can help me please? I am looking at the possibility of transferring my national insurance credits to my mother who helped look after my children to help top her missing national insurance payments. I have looked at my NI record and it shows I have the credits there as well as a figure I have paid…
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Topping up for time in spent abroad
Hi all, I’ve checked my NI record and find that I am missing 10
years of contributions from the years I lived full time in Spain. I returned to the UK in
2016 and worked here and payed NI since middle of 2017. I would like to top up
to get the full state pension which will be possible as long as I keep paying
until…
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Abroad and confused
Hi all, Really hoping someone can help me. I saw the news about filling in the state pension and looked into it. At the moment my record shows that I can get my state pension of £221 per week by 2055. However when I look at my record I have 6 full years only (2010-6) and gaps from 2006-10 (university) and then from…
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Obtaining arrears of pension after retirement age
Hello folks, My wife and I are submitting the requested information and form IPC BR1 GOV NSP. She is 67.5 and I am 66.5, so we are owed arrears from when we were eligible to claim SP. Does anyone know if: * a lump sum is paid for these arrears? * Or do they limit arrears to 12 months from a certain point? * Or do they…
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State pension forecast and missing years – Should I pay the shortfall?
I’m trying to understand my State Pension situation and what happens if I stop working early. I have 27 full years of National Insurance contributions and two not full years (2017-18 and 2018-19) by this April 2025, and my State Pension forecast currently shows £221.20 per week. My retirement age is in 2039, but if I…
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Taking early retirement - how to get maximum pension?
My wife has taken early retirement this month, and won't get her state pension until 2037 (12 years from now). Her current projected pension for 2037 is £158 a week, a current shortfall against full pension (£221) of £73 a week. Can she continue to make National Insurance contributions to increase her pension, even though…
