How can I check my employer is paying my NI contributions?

bob_dob

Hi,
recently my employers has been failing to pay in it's employees pension contributions aswell as it's own contributions.
Yesterday a friend's father told me how his daughter's employers made her redundant and upon applying for jobseekers allowance was told that she was missing a large chunk of NI contributions. The company was by then in liquidation.
I really dont want this to happen to me. Please can someone tell me how i can check this?

[Deleted User]

Hi,

you could contact Directgov and ask for a pension forecast, it will tell you what's been paid.

Valli

check here

you want a National Insurance Statement

bob_dob

Thank you very much indeed!!

jackyann

Your employer should give you a statement in your wage packet saying how much tax, NI, pension etc. has been deducted.
I suggest good old CAB could advise you how to request this information formally if you haven't been getting it.

Valli

jackyann wrote: »

Your employer should give you a statement in your wage packet saying how much tax, NI, pension etc. has been deducted.
I suggest good old CAB could advise you how to request this information formally if you haven't been getting it.

Saying the NI has been deducted from the wage is NOT the same as paying it to the NI...THAT'S what the OP wants to check. He (she?) knows the NI is being deducted, and how much. OP doesn't want a nasty shock if he (she?) goes to claim jobseekers and is told the 'card' hasn't been 'stamped'.
OP can use the link above (Directgovwebsite) to contact the NI and request a contribution statement.
In view of the fact that the OP has stated that he(she?) knows the employer ISN'T paying the pension contributions I think the OP is wise to check whether the NI deductions are going where they should and not being used to keep a struggling company afloat. Because if the employer goes into liquidation the employee will struggle to get the contributions back.

Valli

bob_dob wrote: »

Thank you very much indeed!!

press the thanks button then;)

dori2o

Valli wrote: »

Saying the NI has been deducted from the wage is NOT the same as paying it to the NI...THAT'S what the OP wants to check. He (she?) knows the NI is being deducted, and how much. OP doesn't want a nasty shock if he (she?) goes to claim jobseekers and is told the 'card' hasn't been 'stamped'.
OP can use the link above (Directgovwebsite) to contact the NI and request a contribution statement.
In view of the fact that the OP has stated that he(she?) knows the employer ISN'T paying the pension contributions I think the OP is wise to check whether the NI deductions are going where they should and not being used to keep a struggling company afloat. Because if the employer goes into liquidation the employee will struggle to get the contributions back.

If it is shown as a deduction on the P60 then it does not matter if the company has not paid the money to HMRC. All the NI office see is the figures on the P60 and these are allocated to the individuals record.

It's the same with tax. As long as you have proof that is has been deducted from your payslip and is detailed on your P60 it matter not one bit if the company have not fulfilled their responsibilities and paid the money to the tax office.

OP, you need to make sure you get weekly/monthly payslips and that these show that NIC's have been deducted.

You also need to make sure that you get a P60 at the end of the tax year. You employer MUST issue this to you before the end of May following the end of the tax year on 5 April.

Mikeyorks

Valli wrote: »

Saying the NI has been deducted from the wage is NOT the same as paying it to the NI...THAT'S what the OP wants to check.

Not something that can be checked by an individual. The contributions statement will only reflect what has been shown to be deducted - not what has been paid.

It is up to the Govt agencies involved (HMRC primarily) to ensure payment is made by the employer. Even if it isn't - the individual will not suffer as they will be credited in any event. It's only where deductions aren't made that the individual is at risk.

When an employer pays HMRC the PAYE / NI / SLC deductions each month, it's a consolidated payment. There is no reference whatsoever to individuals. And HMRC pay the NI fund monthly based only on an algorithm. It's only when the P14s (P60 equivalent) are submitted at the year end that individual amounts are allocated. And they are based solely on deductions made ..... not payments made, if that's different. Any discrepancy is left with HMRC to pursue.

Valli

well well well! You live and learn!

what if the employer ISN'T paying in the contributions then?

dori2o

Valli wrote: »

well well well! You live and learn!

what if the employer ISN'T paying in the contributions then?

Then HMRC take the issue up with the company. This can in the worst cases result in fines, penalties, interest charges, and eventually a winding up order if payments remain outstanding.