Shortfall in National Insurance Contributions

EdInvestor

Go and have a chat with the CAB.They should help you sort it out.

seven-day-weekend

If you have always paid full stamps they should count towards your basixcState pension, whether or whenever you were married or not.

Are you sure it isn't SERPS/Graduated Pension that the DWP are talking about? (Extra to your basic State Pension).

Or maybe your friends are receiving Pernsion Credit on top of their basic State Pension?

I agree with Edinvestor, contact a Welfare Rights advisor at the CAB.

lottieholder

You are seriously taking the !!!!. Our local CAB haven't got a clue. Strangely enough, I'm an accountant, and I don't know the rules. They seem to vary according to the person in charge. Why was I advised that paying a full stamp guaranteed me a pension in my own right when it was a lie.

DdraigGoch

I had the same advice and now, aged 50, I have checked up with the Pensions Service and discovered that I have 29 years of full stamp - I could have got it by not paying it and claiming home responsibilities .... not as miffed as you, Lottieholder, obviously, but rather confused. Why on earth did I pay full stamp when I could and then HAVE to pay self-employed rate [I requested to pay the full stamp] and they refused to take it from me, hence I'm on line for cold babked beans too ....

noh

lottieholder wrote: »

You are seriously taking the !!!!. Our local CAB haven't got a clue. Strangely enough, I'm an accountant, and I don't know the rules. They seem to vary according to the person in charge. Why was I advised that paying a full stamp guaranteed me a pension in my own right when it was a lie.

Paying full stamp does give you NI credits for a state pension in your own right. You were not lied to.
Your issue appears to be wether you actually did pay full stamp before 1978.

Nigel

noh

DdraigGoch wrote: »

I had the same advice and now, aged 50, I have checked up with the Pensions Service and discovered that I have 29 years of full stamp - I could have got it by not paying it and claiming home responsibilities .... not as miffed as you, Lottieholder, obviously, but rather confused. Why on earth did I pay full stamp when I could and then HAVE to pay self-employed rate [I requested to pay the full stamp] and they refused to take it from me, hence I'm on line for cold babked beans too ....

Don't understand the cold baked beans comment. You only need one more year of NI credits and you will receive a full state pension at retirement age, so you will be able to afford to warm them up!

Nigel

seven-day-weekend

DdraigGoch wrote: »

I had the same advice and now, aged 50, I have checked up with the Pensions Service and discovered that I have 29 years of full stamp - I could have got it by not paying it and claiming home responsibilities .... not as miffed as you, Lottieholder, obviously, but rather confused. Why on earth did I pay full stamp when I could and then HAVE to pay self-employed rate [I requested to pay the full stamp] and they refused to take it from me, hence I'm on line for cold babked beans too ....

You could not have got 29 years of Home Responsibilities Protection - the most anyone can claim is 19 years and then only if claiming Child Benefit and not earning enough to pay Class Ones.

Someone your age only needs to pay 30 years anyway, to get a full State Pension.

seven-day-weekend

lottieholder wrote: »

You are seriously taking the !!!!. Our local CAB haven't got a clue. Strangely enough, I'm an accountant, and I don't know the rules. They seem to vary according to the person in charge. Why was I advised that paying a full stamp guaranteed me a pension in my own right when it was a lie.

I have always paid full stamp (apart from one year when I paid the reduced one, then changed back). I started work in 1966 and got married in 1971 and all my contributions count. It doesn't matter whether or not you are married, if you pay (or are credited with) the full stamp for enough years you get a pension in your own right.

I'm pretty sure they wouldn't make an exceptioon in your case.

You must be mistaken and were paying 'small' stamps before 1978. That's the only thinfg I can think of.

salfordlass

Anyone got any advice on state pension? I sent off for a forcast 2 years ago, they said I did not have enough credits but would be able to use husbands. I have since divorced and re-married to an Australian citizen, how do I now stand with my pension?

EdInvestor

The rules have now changed for those retiring after 2010 and they are now updating the computers,so suggest you try getting an updated forecast this time next year.