Voluntary NI?

prestonway

atush wrote: »

The extra 3 years are for those aged 16-19 who chould have still been in education. I immigrated to this country later than that, and I get the 3 extra years.

Think this has stopped now, but changes dont tend to be retrospective.

So 13 is correct. If you don't have children she could work? Or do as Gadget says.

I don't understand. Where does the aged 16-19 come into it? The online calculator doesn't ask for the ages of any children, and in any case I am entering 'no' for Child Benefit. I put 10 years for my NI contributions and 0 years claimed for Child Benefit, and when it displays the results it says 13 years contributions. But when I get my Pension Forecast by post it just says I have 10 years contributions. Why does the online calculator automatically add another 3 years? See it here gov.uk/calculate-state-pension

greenglide

JezR wrote: »

It was an illustrative figure for what the pension could be when introduced. Inflation has been a bit higher so it will be a but more. However, I guess I overegged it a bit as it won't be very different.

If STP started today the standard amount would need to be £148.35 or more so that it is equal or more than the pension credit single guarantee as one of the main drivers was to reduce means testing.

PC will still exist (although many people think it will end) but will only be appropriate for people who get less than 100% STP - mainly because of less than 35 years contributions .

gadgetmind

prestonway wrote: »

I don't understand. Where does the aged 16-19 come into it?

You used to earn qualifying years if you were in full time education between those ages.

prestonway

gadgetmind wrote: »

You used to earn qualifying years if you were in full time education between those ages.

OK. But why does it automatically add on 3 qualifying years? The online Q&A doesn't ask anything about full time eduction between those years. See here: gov.uk/calculate-state-pension

It just asks M or F (F), DOB (1972), number of years NI paid (I have paid 10), and number of years you have claimed Child Benefit (I put 0). And the results change '10' years contributions to '13'. If as an experiment I enter 1 year of Child Benefit it changes 10 to 14. So it seems to add 3 years + Child Benefit years to whatever number of years NI you enter.

prestonway

I have just noticed. At the very foot of the screen it says "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."

They could have put this statement next to the results box where it could be seen.

greenglide

Did you base the 10 years contributions you have on what the pension forecast said?

This will have told you what your current number of years was in total including those before age 19 so the correct answer to the question about contributions paid at 19 and above could have been "7" and the calculator would then add the three years for before age 19 which would be paid or credited depending on when you left school / started work.