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Additional Pensions Contributions

I claim my state pension in May of next year. I have obtained a Pensions Forecast which says I missed three year's contributions (agreed) and that I can pay about £1,050 to make these up in which case my forecast pension will increase by about £300 per annum. This seems a fair bet provided my wife and I don't peg out in the next four years!

It says these contributions have to be paid by 5 April 2009. If I put off paying them until March 2009 will my increased pension be backdated to May 2007 (by which time I shall be due nearly £600 arrears). Or is that hoping too much?

If I owe three years, do I have to pay exactly three years arrears of contributions or could I just pay (say) 75% (or whatever) of each year and still qualify for the increase?

See why I say life gets complicated!!! Thanks anyone in advance.


  • If I were you I would contact the board guide Edinburghlass and ask her to move your post to the "Pensions, Annuities and Retirement Planning" board where CIS will see it and give you some expert advice.
    I have since seen CIS posting in the thread below this one so he will no doubt see it and answer in here.
  • CISCIS Forumite
    12.3K Posts
    Part of the Furniture 10,000 Posts Name Dropper
    IIRC , its a while since I thought about this, your pension wont be backdated, it will be paid only from when the contributions are paid - to get the full year, you need to pay the exact figure given - no more,no less.
    I no longer work in Council Tax Recovery but instead work as a specialist Council Tax paralegal assisting landlords and Council Tax payers with council tax disputes and valuation tribunals. My views are my own reading of the law and you should always check with the local authority in question.
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