will i get a state pension?

freda11

i am 49 and have worked since 17 years of age. For the past 7 years I have only worked part time and becuase im under the threshold i have not paid stamp, how can i ensure i will receive a state pension, should i pay national insurance myself, thanks

dunstonh

Get yourself a state pension forecast. You can request it online.

McKneff

As Dunstonh says, get a state pension forecast.

To get state pension you have to have 30 full years contribution.

le_loup

McKneff wrote: »

To get state pension you have to have 30 full years contribution.

To get a FULL state pension you have to have 30 full years contribution.

jamesd

You seem to have worked and paid full NI for 49 - 16 - 7 = 26 years. That should get you 26 30ths of the full basic state pension plus some additional state pension. Even one year is now enough to get you some basic state pension.

You have plenty of time to get an additional four years to get a full basic state pension. If you want to take care of it as soon as possible, check the state pension profiler to see how much you've accumulated so far and what it will cost you to buy some of the recent past years of contribution. You have some 18 years left until you reach state pension age and with only four more years needed to get a full basic state pension it may be best to wait in case you work enough hours to get qualifying years in the future.

McKneff

le_loup wrote: »

To get a FULL state pension you have to have 30 full years contribution.

Was that really necessary?, I believe it was quite clear what I meant.

le_loup

Touchy or what?
Just clarifying what you said ........... whatever.

McKneff

Not touchy at all my friend, can't be doing with pedants who pull up people to make themselves feel important.

'Whatever' indeed :rotfl::rotfl::rotfl: very adult..........

jamesd

McKneff wrote: »

Was that really necessary?, I believe it was quite clear what I meant.

It was sufficiently clear that I also included a clarification.

Consider the question and your reply:

Q: how can i ensure i will receive a state pension
A: To get state pension you have to have 30 full years contribution.

The answer is wrong if taken at face value. While you knew what you meant, your words didn't accurately convey your intended meaning.

Note in part that freda11 asked about "a" state pension, not "a full".

Part of the problem is that there used to be a much higher minimum number of qualifying years needed to get any state pension, so people asking questions may well be remembering and checking on a minimum that no longer exists and may have read your 30 years as that old style minimum if they didn't also know about the changes. freda11 clearly didn't know about the changes because of the wording in the question, that "a" part, given that freda11 had already qualified to get most of a basic state pension and some additional state pension. So the net effect of your reply probably would have been to mislead freda11 if it hadn't been clarified by others.

You just didn't do a particularly good job of expressing your intent. It happens, just something to learn from with better wording in the future and move on. None of us is perfect and we all write imperfectly or wrongly from time to time, me for example striking through a whole reply of mine a day or two ago.

Personally, if it was me, I'd go and edit your post and either strike through it or edit it to make it more strictly accurate. That's another area where views on what should be done differ. I tend to edit in some way when I find that I've not expressed my intent well or have actually got something wrong, others take a different approach. Is to some extent down to personal style and variation is OK.

Nobody reading what you wrote has any reason to worry about your good intent, it was just unfortunate wording.

le_loup

McKneff wrote: »

Not touchy at all my friend, can't be doing with pedants who pull up people to make themselves feel important.

What on earth have I done to make you so angry?
I sought to help as the OP seemed not to know the answer. You and I do.
Take a break, drink less, calm down or get your anger management issues sorted by a professional.
The "whatever" was a joke, but clearly angry people do not have a sense of humour!

McKneff

le_loup wrote: »

What on earth have I done to make you so angry?
I sought to help as the OP seemed not to know the answer. You and I do.
Take a break, drink less, calm down or get your anger management issues sorted by a professional.
The "whatever" was a joke, but clearly angry people do not have a sense of humour!

I'm the most laid back person you could ever hope to meet, I dont need a break, I'm retired, I drink (alcohol) very little.
I'm a Geordie and automatically have the best sense of humour going.

My apologies, I was maybe being a bit sensitive at being corrected. I see now you were more helping the OP than having a dig at me, friends eh.......lifes too short.


Annie