State pension?

xylophone

Your wife is now aged 49?

Presumably in the past thirty years or so, she has earned sufficient to pay NI Contributions or has been credited as described above.

Her foundation amount (£133) indicates that a full state pension will be achieved after around another five/six years of contributions paid or credited.

Does she now earn more than £155 a week? If so, she should be paying NI. See link above.

You pay NI if you earn enough all the way up to SPA, regardless of whether you have achieved sufficient contributions for a full state pension.

maxie014

Yeah xylophone she makes more than that,she has two jobs and got stung for tax a few years back,which they then refunded.
Is she supposed to tell the tax man how much she makes from two jobs?
As they said she was responsible for her taxes,she had three jobs then though and was on all sorts of temporary tax codes.

maxie014

Just read the above link xylophone seems she is earning below the threshold in each job so therefore no NI.

mark1959

maxie014 wrote: »

Theres a few folk round my way never had a job,ever! but they seem to manage ok pension wise.

I wouldn't concern myself about others who may or may not be relying on state benefits. If your wife's forecast is £133 then there's only 5 more years of ni contributions to make £155, and if she's not paying ni now she's getting away with paying less. [not that you would boast about that to the few folk round your way]

t0rt0ise

You don't need to earn £155 a week. The gov website says..


"If you earn between £112 and £155 a week, your contributions are treated as having been paid to protect your National Insurance record."


... so is she earning £112 a week?

p00hsticks

t0rt0ise wrote: »

You don't need to earn £155 a week. The gov website says..


"If you earn between £112 and £155 a week, your contributions are treated as having been paid to protect your National Insurance record."


... so is she earning £112 a week?

Unless they've changed the rules recently (I know that they're considering it, but didn't think they'd put anything into practice as yet) that amount has to be in a single job - spread over more than one job means you won't get the credits....

GunJack

Heard somewhere that they will be looking at the £112pw from one job, as an awful lot of people are on that (or more) but spread over 2 or 3 jobs so will miss out. They are looking to change it to be across the total of all jobs, but will probably take several years to get there. OP, can your wife pay voluntary NI to ensure the year's credit?

xylophone

The OP's earlier posts indicated that his wife had a part time job in local government which paid £800 a month. See post 3 above.

This made his statement that no NI was being paid rather surprising.

It now transpires that she has several jobs which make up the £800 between them.

As indicated in the link in my post above, if a person earns £155 plus in an employment then NI is payable,

If a person earns at least £112 a week but below £155, a credit is awarded.

If the OP's wife is neither paying NI nor receiving credits, then if she wishes to increase her foundation amount from the £133 to £155.65 a week (index linked), then she will need to pay voluntary contributions.

maxie014

xylophone wrote: »

The OP's earlier posts indicated that his wife had a part time job in local government which paid £800 a month. See post 3 above.

This made his statement that no NI was being paid rather surprising.

It now transpires that she has several jobs which make up the £800 between them.

As indicated in the link in my post above, if a person earns £155 plus in an employment then NI is payable,

If a person earns at least £112 a week but below £155, a credit is awarded.

If the OP's wife is neither paying NI nor receiving credits, then if she wishes to increase her foundation amount from the £133 to £155.65 a week (index linked), then she will need to pay voluntary contributions.

Would it be worth it? the carry on with her tax was unbeleivable,she got done one year,then the next for previous years,then she got refunded a few years later,in the middle of a gmb sponsored tax rebate thing.

p00hsticks

maxie014 wrote: »

Would it be worth it? the carry on with her tax was unbeleivable,she got done one year,then the next for previous years,then she got refunded a few years later,in the middle of a gmb sponsored tax rebate thing.

You say you have 3 children but I don't think you've said if your wife is receiving child benefit for a child under 12 - if she is this will automatically give her the necessary NI credits without having to worry about making any voluntary contributions or what she gets/doesn't get via work.