Shortfall in National Insurance Contributions

seven-day-weekend

If he was receiving IB he should have had his NI credited.

You can't claim State Pension and Carers' Allowance together .

If he reaches retirement age after April 6th he will only need 30 years NI, paid or credited. (Before April 6th, it's 44 for a man).

How many years NI had he paid before he went onto IB?

It might be worth his while seeing a Benefits Advisor at the CAB, who will be able to advise him exactly based on his circumstances.

Carmen

Thanks for the help.
B in L has managed to get it all sorted out now!
Carmen x

Dollardog

What happens if you haven't got enough for the state pension and can't afford to make the shortfall up?

seven-day-weekend

If your total income is less than £130 if you are single or £198 if you are a couple and you don't have much in the way of savings, it will be made up to these amounts by Pension Credit, which is means-tested.

Dollardog

seven-day-weekend wrote: »

If your total income is less than £130 if you are single or £198 if you are a couple and you don't have much in the way of savings, it will be made up to these amounts by Pension Credit, which is means-tested.

Thank you, I don't know if I will have paid enough in.

seven-day-weekend

Dollardog wrote: »

Thank you, I don't know if I will have paid enough in.

Get a State Pension forecast here:


http://www.direct.gov.uk/en/Pensionsandretirementplanning/StatePension/StatePensionforecast/DG_10014008

monkeyspanner

Could someone clarify a point regarding NI Home Responsibility Protection

My partner has 12 qualifying years HRP. She would need a total of 30 qualifying years to maximise state pension. Direct Gov site says that HRP cannot reduce required qualifying years to less than 20. Is this a fixed figure or does the exemption depend on other factors?

brenda50

I have a question - I just started to get my pension of 87.77 pounds . I worked 3 years from 1965 to 1968 for 2 employers but have heard nothing from one employer and the other says I have no contributions on their records. I have not been given details from pension service about my stamps most were from being a carer. Is there anything I can do?

7roland8

Hi - just found this thread.
Tried the pension profiler and found I have the full 30yrs - hopefully!

But it says the state pension is £97.65 a week so how come if we receive under £130 as a single person we can get it topped up with pension credits?

seven-day-weekend

7roland8 wrote: »

Hi - just found this thread.
Tried the pension profiler and found I have the full 30yrs - hopefully!

But it says the state pension is £97.65 a week so how come if we receive under £130 as a single person we can get it topped up with pension credits?

The £130 is based on ALL income. So as well as your £97 basic State :Pension, you may, for example, have some SERPS (S2P), and/or an Occupational or Private Pension. These will be totalled up and if your TOTAL income is less than £130 it will be made up to £130 by means-tested Pension Credit.