National Insurance errors discussion thread

50Twuncle

zagfles wrote: »

Sorry but this is complete rubbish.

It's the LEL (112pw - ie about £6k pa like I said) that counts for credits. Not the PT (£155pw), that's when you start paying NI.

You get credits if you earn above the LEL even if you don't pay any NI.

You get a qualifying year even if you only work part of the year, as long as you earn at least 52x the LEL over the year. Though I don't think any earnings in pay periods where you earned below the LEL would count.

https://www.gov.uk/government/publications/rates-and-allowances-national-insurance-contributions/rates-and-allowances-national-insurance-contributions

http://www.litrg.org.uk/tax-guides/employed/what-national-insurance-do-i-pay-employee

http://researchbriefings.files.parliament.uk/documents/SN06817/SN06817.pdf

So - for someone earning between £112 and £155 per week - they get credited at zero cost - this is new to me !!
Thanks

zagfles

50Twuncle wrote: »

So - for someone earning between £112 and £155 per week - they get credited at zero cost - this is new to me !!
Thanks

Yup. Loads of anomalies in NI. Someone earning £150 a week for the whole year will pay no NI but get a qualifying year for free. But someone earning £500 a week for 10 weeks will pay over £400 in NI but won't get a qualifying year!

The govt keep talking about merging the operation of tax and NI, ie making NI work on a similar annual basis to tax, but they've not done anything about it yet.

margih

I am looking for an answer to my question but am going round in circles. I am a casual library assistant and do not pay tax or nI. as I do not earn enough I have 44 qualifying years but how to I keep getting credits until I get my pension when I am 66 in 5years time. Do I need to do this even?

p00hsticks

margih wrote: »

I am looking for an answer to my question but am going round in circles. I am a casual library assistant and do not pay tax or nI. as I do not earn enough I have 44 qualifying years but how to I keep getting credits until I get my pension when I am 66 in 5years time. Do I need to do this even?

your first step is to get an individual state pension forecast, which will tell you if further years are required

https://www.gov.uk/check-state-pension

Having done that, if you still have any queries, post over on the Pensions board for further advice.

This is a comprehensive guide on how to top up your pension if needed

https://www.royallondon.com/Global/documents/GoodWithYourMoney/TOPPING-UP-YOUR-STATE-PENSION-GUIDE.pdf

Zach_Mendelsohn

My mother was born in 1949, she has had 3 children and was receiving £87 per year pension up until 2016. However she now recieves nothing. I thought this was obviously wrong so I asked my mum last August to call them and explain her situation to them over the phone. And they just said nope she is not entitled to anything.

She had claimed child benefit for all of her children (also she was also a single parent during some of this time) which would have put her over the required 30 years of NI contributions.

However these qualifying years are not on her NI records.

So after another fruitless call this April I set her up with a Goverment Gateway account (something she would have never managed to do) and we filled out all the online CF411 forms and also sent an additional signed form in the post.

Some 7 weeks later recieved a reply stating that having reviewed our information however my mother still does not qualify for any additional years of NICs on her records.

So no pension at all.

That's it no reason why?

How many other women who have raised families are in the same position?

It seems disgraceful to me that my mum gave up much of her career to raise a family and now does not have a pension.

They even fail to even mention Pension Credits which she could apply for.

Why are we forgetting our OAPs and this seems to especially target women who have raised families unfairly.

The DWP is a disgrace.

zagfles

Zach_Mendelsohn wrote: »

My mother was born in 1949, she has had 3 children and was receiving £87 per year pension up until 2016. However she now recieves nothing. I thought this was obviously wrong so I asked my mum last August to call them and explain her situation to them over the phone. And they just said nope she is not entitled to anything.

She had claimed child benefit for all of her children (also she was also a single parent during some of this time) which would have put her over the required 30 years of NI contributions.

However these qualifying years are not on her NI records.

So after another fruitless call this April I set her up with a Goverment Gateway account (something she would have never managed to do) and we filled out all the online CF411 forms and also sent an additional signed form in the post.

Some 7 weeks later recieved a reply stating that having reviewed our information however my mother still does not qualify for any additional years of NICs on her records.

So no pension at all.

That's it no reason why?

How many other women who have raised families are in the same position?

It seems disgraceful to me that my mum gave up much of her career to raise a family and now does not have a pension.

They even fail to even mention Pension Credits which she could apply for.

Why are we forgetting our OAPs and this seems to especially target women who have raised families unfairly.

The DWP is a disgrace.

Your mother would have reached state pension age in 2009. This was before the new "30 years" rule came in in 2010. Then you needed 39 years IIRC for women, and years claiming child benefit did not count as credits. Instead you got "home responsibility protection" but these weren't credits, but a reduction in the number of years you needed for a full pension. You still needed years creditted, eg paying NI.

She's another victim of the sexist state pension ages, which is now being rectified. Had her state pension age been 65, she'd have been under the new (post 2010) rules where HRP was converted to credits.

She should be able to claim pension credit if she has no/little other income. If that's her only income she'll get more than the old basic state pension anyway.

badmemory

Did she pay the married woman's stamp after she got married & before she had children, as far as I remember that did not earn state pension rights. Also was the child benefit definitely in her name? Did she not get a pension based on part of her husbands entitlement? The t&cs for someone who started taking their state pension before Apr 2016 should not have changed.

00ec25

Zach_Mendelsohn wrote: »

The DWP is a disgrace.

why? The rules have been changed, if you think it is a "disgrace" that they were not applied retrospectively to anyone born after an arbitrary date why not pick on 1900 so "everyone"(?) is covered. There are many such instances of "unfairness" across many different areas of legislation. For example, is it a "disgrace" that inheritance tax changes were not backdated, or SDLT rules for first time buyers?

Zach_Mendelsohn

So before 2010 my mother would have needed 39 years to qualify for a full or part state pension?

So becuase she was born 12 (or perhaps less) months too early she now receives NO penision!! Athough she could have perhaps recieved a ful state pension. One extreme to the other. What was the basis of this cut of date??

But under the HRP my mother would have had the number of years she required to pay NI reduced by the number of years she was claiming child benefit. This is not reflected on her NI records.

Likewise she was recieving an annual pension payment of £87.00 a year in 2015. And NOWbecause of the rule changes in 2016 she now recieves nothing. Is that fair.

She has no idea if she ever paid married stamp duty. THAT WAS 45 YEARS AGO!

She really does not know what National Insurance contributions are or even were and basically assumed these were all dealt with by accountants, solicitors, the goverment and her employers.

My gripe is communication, letting people know what they are entitled to and how they get that information.

All being well, in the 21st century when you have access to internet and know how to use modern technology it's fine. But talking about someone who is 70 next year and you expect them to keep up with their pension changes and then ask them to create a goverment gateway account and fill out forms online and print them off by themselves!!! you are having a joke.

My mum has had two cataracts and several failed operations and you make this all computer based???

and in response to 00ec25 its all a disgrace.
Why pick on women who prior to 1950 were pushed to stay at home and rais a faimly.

This is affecting 1 in 6 women in the UK that raise a family. They estimate there is 500 Million pounds that is potentially owed to women in state pension payments.

I wish my mother had something for me to inherit but at the age of 69 she is back renting. What I want more is that she can hold her head above water. Have some dignity and does not die of worry, guilt and stress!

I believe in rules but you should not change the goal posts and fail to inform peope of what they are suppose to do and provide a reasonable method for those affected to do the necessary!

Have a heart

Its a Nationa Disgrace

Zach_Mendelsohn

So before 2010 my mother would have needed 39 years to qualify for a full or part state pension?

So becuase she was born 12 (or perhaps less) months too early she now receives NO penision!! Athough she could have perhaps recieved a ful state pension. One extreme to the other. What was the basis of this cut off date??

But under the HRP my mother would have had the number of years she required to pay NI reduced by the number of years she was claiming child benefit. This is not reflected on her NI records.

Likewise she was recieving an annual pension payment of £87.00 a year in 2015. And NOWbecause of the rule changes in 2016 she now recieves nothing. Is that fair.

She has no idea if she ever paid married stamp duty. THAT WAS 45 YEARS AGO!

She really does not know what National Insurance contributions are or even were and basically assumed these were all dealt with by accountants, solicitors, the goverment and her employers.

My gripe is communication, letting people know what they are entitled to and how they get that information.

All being well, in the 21st century when you have access to internet and know how to use modern technology it's fine. But talking about someone who is 70 next year and you expect them to keep up with their pension changes and then ask them to create a goverment gateway account and fill out forms online and print them off by themselves!!! you are having a joke.

My mum has had two cataracts and several failed operations and you make this all computer based???

and in response to 00ec25 its all a disgrace.
Why pick on women who prior to 1950 were pushed to stay at home and rais a faimly.

This is affecting 1 in 6 women in the UK that raise a family. They estimate there is 500 Million pounds that is potentially owed to women in state pension payments.

I wish my mother had something for me to inherit but at the age of 69 she is back renting. What I want more is that she can hold her head above water. Have some dignity and does not die of worry, guilt and stress!

I believe in rules but you should not change the goal posts and fail to inform peope of what they are suppose to do and provide a reasonable method for those affected to do the necessary!

Have a heart

Its a National Disgrace to women

#nationaldisgrace #nopensionsforwomen #wheresmypension #nopensiontoraiseafamily #mothersreceivenopensions