NI deducted from salary? can we reclaim?

nmluser

Hi
I am from India, came to UK to work for 2 to 3 Yrs.

Asusual, after one Year NI started deducting from salary and as all you know it is a huge money. Honestly i have no plans to settle here and enjoy retirement benifits and etc. I am just wondering, what is the fact and moto behind deducting NI from WP holders. Make sense to deduct it from PR holders & Citizens....they may have plans to enjoy the retirements benifits in UK.

please suggest, if any better tips and suggestion to save / reclaim NI by the time I will move back to India.

I calculated, unfornately I am paying back 70 Pens from each pound I earned here one or the otherway back to UK; this is not so encourgaing factor to people like me who come here to work hard and save some money so that able to settle bills at back home.


Thanks.

CIS

Make sense to deduct it from PR holders & Citizens....they may have plans to enjoy the retirements benifits in UK.

NI isn't only for pension purposes - it also covers Healthcare etc

bryanb

Would a UK citizen in India get taxes etc refunded?

System

nmluser wrote: »

I calculated, unfornately I am paying back 70 Pens from each pound I earned here one or the otherway back to UK; this is not so encourgaing factor to people like me who come here to work hard and save some money so that able to settle bills at back home.
Thanks.

How are you paying 70p per £? What tax code is your employer operating?

Citizens from the EEA can ask for a certificate to give to their government to prove that they contributed to a recognised EEA National Insurance scheme and I believe their government gives them credit for their contributions when calculating their entitlement to state pension in their home country. Perhaps you could enquire from your home country if they have a reciprocal agreement with the UK regarding NI contributions.

yelf

Stop !!!!!ing and pay it: if you need to use the NHS you wont be whinging will you?

nmluser

bryanb wrote: »

Would a UK citizen in India get taxes etc refunded?

Income Tax NO, (based on condition to condition, if they paid additonal tax, over taxed YES then will be refunded)

Pension plan - in India it is not forced deduction....it is employee choice.

nmluser

NHS; How much I am going to use in my 2 to 3 yrs stay? I am not patient..:)

nmluser

Thanks, I will double check with my office.

nmluser

nmluser wrote: »

NHS; How much I am going to use in my 2 to 3 yrs stay? I am not patient..:)

Pam17 wrote: »

How are you paying 70p per £? What tax code is your employer operating?

Citizens from the EEA can ask for a certificate to give to their government to prove that they contributed to a recognised EEA National Insurance scheme and I believe their government gives them credit for their contributions when calculating their entitlement to state pension in their home country. Perhaps you could enquire from your home country if they have a reciprocal agreement with the UK regarding NI contributions.

Thanks, I will double check with my office on this...

TM1976

NI is just tax by another name, you've got less chance of getting out of paying this than Income Tax. In addition your employer has to pay around 10% of your income on top.

Not sure of your figures but you should get around 70% net of your published salary (your employer then pays another 10% on top.

It's possible that you get credit for NI in India but you can't get this back.

olly300

nmluser wrote: »

NHS; How much I am going to use in my 2 to 3 yrs stay? I am not patient..:)

If you have an accident or emergency then you get free treatment. It's a form of insurance which is why it's called National Insurance (NI).

So while you don't intend to be ill if you do you can get free treatment from doctors, hosptials, ambulances, etc and subsidised prescriptions if you live in England. (Free in Scotland and Wales.)

No you can't get it back.