National Insurance errors discussion thread

Savvy_Sue

Sorry, but NI does not work the same way as tax.

Any week or month you're over the limit, you have to pay.

sheramber

There is no refunds for NIC.

You pay what is due according to your pay at the time.

Remember , if you are not paying contributions that may affect any benefit claim in the future.

maidinheaven

I ran out of ssp and had to leave work as I couldn't physically do the work, didn't know at the time but turns out I have arthritis in both hips, knees and discs. Anyway I applied for Esa and was told I hadn't paid enough ni contributions but I have two children born in 1999 and have been claiming child benefit right up until this week. Should that of kept my contributions up to date and if so can I appeal the decision now (2.5 years later) or have I lost out?
When I gave up work I managed to claim PIP and received the personal care rate, I asked for a review in March this year as my mobility has reduced to only walking 30 feet until it kills me and I can't walk for a day or so after and I'm unable to cook a meal for my family as I can't stand for that amount of time. That request was left in limbo until last month (i wasn't told) when a nice man at the PIP was shocked that previous calls made to the department hadn't flagged up that it was in limbo and should of been sent to be reviewed so he sent it across.

I know there are a couple of subject here but I would appreciate any help with the ni contributions anyone can give me. X

50Twuncle

You state : "To get the full basic state pension, currently £115.95 a week, anyone who reached, or reaches, the state retirement age (currently 65 for men, 63 for women) after April 2010 needs to have paid NI for 30 years.
Men who retired earlier need 44 years and women who retired earlier need 39."
What age do NI contributions start at ?
So how is it possible for a man who retires early to build up 44 years of contributions ?
I was medically retired from full time work at age 46 (with 29 years of paying NI behind me) - how do I stand for a state pension ?

chrisbur

I would suggest that you first get a pension statement at
https://www.gov.uk/state-pension-statement


You will then have a better idea of what if anything needs to be done to improve your pension position.

Torry_Quine

50Twuncle wrote: »

You state : "To get the full basic state pension, currently £115.95 a week, anyone who reached, or reaches, the state retirement age (currently 65 for men, 63 for women) after April 2010 needs to have paid NI for 30 years.
Men who retired earlier need 44 years and women who retired earlier need 39."
What age do NI contributions start at ?
So how is it possible for a man who retires early to build up 44 years of contributions ?
I was medically retired from full time work at age 46 (with 29 years of paying NI behind me) - how do I stand for a state pension ?

Certain benefits such as IB and ESA credit you with NI contributions towards your state pension, did you/do you get either of these?

p00hsticks

50Twuncle wrote: »

You state : "To get the full basic state pension, currently £115.95 a week, anyone who reached, or reaches, the state retirement age (currently 65 for men, 63 for women) after April 2010 needs to have paid NI for 30 years.
Men who retired earlier need 44 years and women who retired earlier need 39."
What age do NI contributions start at ?
So how is it possible for a man who retires early to build up 44 years of contributions ?
I was medically retired from full time work at age 46 (with 29 years of paying NI behind me) - how do I stand for a state pension ?

You're slightly misinterpreting the meaning of the word 'earlier' in the quote. Anyone who reached state pension age before (I think) 2010 needed 44 years NI (men) or 39 (women) to get a full pension. Change was introduced then so that only 30 years was needed. In April 2016 the rules change again and 35 years conts are needed.

It sounds as if you've not yet reached state pension age, so you'll need either 30 or 35 years NI conts - as Chris says, your best starting point is to get a pension statement and take it from there. As Torry says, you may have been creditted with more years than you think, or it may be that purchasing additional years (either before or after April 2016, depending on the exact circumstances) will be worth it.

50Twuncle

p00hsticks wrote: »

You're slightly misinterpreting the meaning of the word 'earlier' in the quote. Anyone who reached state pension age before (I think) 2010 needed 44 years NI (men) or 39 (women) to get a full pension. Change was introduced then so that only 30 years was needed. In April 2016 the rules change again and 35 years conts are needed.

It sounds as if you've not yet reached state pension age, so you'll need either 30 or 35 years NI conts - as Chris says, your best starting point is to get a pension statement and take it from there. As Torry says, you may have been creditted with more years than you think, or it may be that purchasing additional years (either before or after April 2016, depending on the exact circumstances) will be worth it.

I did claim ESA for about 9 months but I did contact HMRC for a pension statement - 4 or 5 years ago and was told that I qualified for a full state pension - since I had been credited with more than 30 years contributions (which surprised me - because it meant that they had been started before I left school (age 17) - so are they now saying that this was untrue ?
a lie ?

StephenL

I attended university at the beginning of the 90s and having just checked my NI contribution history found that I do not have credits for this time. Current students do not get credits for full-time study at universities but has that always been the case?
Thanks

50Twuncle

StephenL wrote: »

I attended university at the beginning of the 90s and having just checked my NI contribution history found that I do not have credits for this time. Current students do not get credits for full-time study at universities but has that always been the case?
Thanks

No - I was given 3 years NI credits when I attended university in the mid 80's