Do they only count N.I. contributions from aged 19?

vvvvvvvvvvvvvvvv

For state pension purposes?

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

SnowMan

You can start to get qualifying years from the tax year you reach 16.

Also see TPAS website

Credits For Young People

Young people with no liability to pay Class 1 or 2 contributions can also get credits automatically for the tax year in which they reach 16 and the two following years.

vvvvvvvvvvvvvvvv

SnowMan wrote: »

You can start to get qualifying years from the tax year you reach 16.

Also see TPAS website

Thanks snowman

The reason i ask is because i asked for a pension forcast statement and it says i have 39 qualifying years.But when i put my details into this calculator,choosing the "Get a basic State Pension estimate and calculate your State Pension age" option,it then says on step 4 "How many years have you worked and paid National Insurance contributions from the age of 19?".

It will only let me put 35 years in the box and not the 39 it says on my statment.Here's the calculator

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

SnowMan

I think that is because the calculator assumes you have received the 3 automatic credits referred to in my earlier post (which takes you to age 19)

So put in 27 years and it just adds the 3 years to bring you up to 30, and so shows the full basic state pension based on 30 qualifying years.

In your case you should put in 36 and it will then base things on 39, not that it makes much difference once you are past 30 years.

It does a check based on date of birth as to the maximum number of qualifying years you could possibly have also which is why you get a warning.

vvvvvvvvvvvvvvvv

SnowMan wrote: »

I think that is because the calculator assumes you have received the 3 automatic credits referred to in my earlier post (which takes you to age 19)

So put in 27 years and it just adds the 3 years to bring you up to 30, and so shows the full basic state pension.

In your case you should put in 36 and it will then base things on 39, not that it makes much difference once you are past 30 years.

It does a check based on date of birth as to how many qualifying years you could possibly have also which is why you get a warning

So does everyone,working or not,get the first 3 years automatically credited?

It only allows me to put 35 years,if i put 36 it says its too many

SnowMan

vvvvvvvvvvvvvvvv wrote: »

So does everyone,working or not,get the first 3 years automatically credited?

Yes.

Either directly by paying class 1 or class 2 contributions, or indirectly by getting the youth credit.

vvvvvvvvvvvvvvvv

SnowMan wrote: »

Yes.

Either directly by paying class 1 or class 2 contributions, or indirectly by getting the youth credit.

well i never knew that:cool:

SnowMan

vvvvvvvvvvvvvvvv wrote: »

well i never knew that:cool:

But worth saying that they no longer apply to youngsters entering the system now see adviceguide

You can get Class 3 NI credits at the start of your working life. They are known as starting credits. You can get starting credits for the tax year in which you are 16 and the following two tax years if you would not otherwise have enough NI contributions for these years.

However, from 5 April 2011, starting credits will no longer go towards helping you qualify for the basic state retirement pension for any tax year that started from 6 April 2010. Previous qualifying tax years may still be counted. The credits will still count towards bereavement benefits.


If you applied for a national insurance number from 6 April 2010, starting credits won't help you qualify for the basic state retirement pension for any tax year. The credits will still count towards bereavement benefits

vvvvvvvvvvvvvvvv

thought i'd try something,i put my D.O.B. as 20/02/1995 and up comes up with "
You must be at least 20 years old for the calculator to work out how much basic State Pension you'll get."

SnowMan

vvvvvvvvvvvvvvvv wrote: »

thought i'd try something,i put my D.O.B. as 20/02/1995 and up comes up with "
You must be at least 20 years old for the calculator to work out how much basic State Pension you'll get."

Would have thought the message should have been

Get a life, you should have better things to think about at your age

:rotfl:

vvvvvvvvvvvvvvvv

SnowMan wrote: »

Would have thought the message should have been

:rotfl:

LOL

it does go on to say as well,which i did'nt see before

"Your estimate may include up to 3 years of automatic credits for the years containing your 16th, 17th and 18th birthdays. If you got your National Insurance number after April 2010 you don’t get these automatic credits."