Voluntary NI contributions for non-UK citizen

sghughes42

atush wrote: »

No, when the new pension regine starts in 2016, woment can no longer claim off their husbands contributions. and she will need a min of 10 years to get any.

wont be hard to get 10+ if kids are on the cards though. but the CB has to be in her name.

Is any of her employment classed as self employment? If not, get her self employed somehow and pay 130 quid a year? Or get her to increase her hours with one employer to get to 5770?

I think investing in a good private pension might be a better idea!

The CB won't be in her name - due to the stupid new immigration rules she is on a spouse visa for another 4 years. One of the visa conditions is no recourse to public funds so she can't claim CB. What are the rules there though, is it CB from the start or does any CB count? She will be able to claim it once she has Indefinite Leave to Remain.

Hours with an employer is not in her control - it is what they offer. She may be OK from 2015-16 as she will be working 5 (short) days a week with Chatsworth from late March to early January so will probably end up over £5770.

Otherwise, I don't know if we can work it somehow, but as well as my full-time job I do some self-employed work selling odds and ends for model railways online. If we can think up some way for her to sell the stuff without counting as an employee of mine then that might be an option? Presumably any self employment counts so if she just buys and sells on a few things a month that would be enough?

gadgetmind

greenglide wrote: »

Two separate employments earning £5,000 in each doesn't qualify!

Coo, that's a bit rough!

Is it possible to pay a top-up to get you to LEL or do they want effectively a whole year?

Sounds like Class 2 might be the way to go!

gadgetmind

sghughes42 wrote: »

I think investing in a good private pension might be a better idea!

It's hard to beat Class 2, which is the approach my wife uses as she's unlikely to hit LEL.

The figures are a little out of date, but she was paying £2.60 a week (so just over £135 a year) and this got her another qualifying year. This is then worth an extra £4.11 a week (index linked) during retirement.

A side calculation in my spreadsheet suggests that doing this for 8 years costs us a grand total of £1081.60 but gains us £1711.54 for every year of retirement.

While I rank myself as "good" when it comes to investing, no way could I get anywhere near that!

atush

sghughes42 wrote: »

I think investing in a good private pension might be a better idea!

The CB won't be in her name - due to the stupid new immigration rules she is on a spouse visa for another 4 years. One of the visa conditions is no recourse to public funds so she can't claim CB. What are the rules there though, is it CB from the start or does any CB count? She will be able to claim it once she has Indefinite Leave to Remain.

Hours with an employer is not in her control - it is what they offer. She may be OK from 2015-16 as she will be working 5 (short) days a week with Chatsworth from late March to early January so will probably end up over £5770.

Otherwise, I don't know if we can work it somehow, but as well as my full-time job I do some self-employed work selling odds and ends for model railways online. If we can think up some way for her to sell the stuff without counting as an employee of mine then that might be an option? Presumably any self employment counts so if she just buys and sells on a few things a month that would be enough?

I would check this rule once she is pregnant, as the CB must be in her name to qualify. it is hard to switch cb once yu have claimed it so triple check the rules here. I arrived on a Saturday and filled out the cb forms on a Tuesday. Different world now.

I got immediate leave to remain, as I emigrated back in oct 89.

gadgetmind

sghughes42 wrote: »

Presumably any self employment counts so if she just buys and sells on a few things a month that would be enough?

My wife declares about £200 pa in self employed income but obviously doesn't pay tax on this as even with her job she's within personal allowance.

No questions at all regards her registering as self employed and paying the class 2. Just make sure the slippery sods will count it as a qualifying year despite her visa situation.