State pension?

maxie014

The youngest is now 18.
She was working full time from 16-27 when she had the first kid.
Then never worked for a few years till a part time job came up was only about 10 hours a week.
Now she has the two jobs one paying about £150 a week,the other about £65 both at local schools.
Thought she would be paying some NI but definitely not.
Im not too keen getting her involved with the taxman again as that was a nightmare for her,£1500 tax bills coming in when she was hardly over the limit,she could get no help from her employers or the taxman.
Like i said we were trying to claim it back through a tax rebate company,when out of the blue she got a big tax rebate??

badmemory

Has she told HMRC that the tax rebate company no longer have her authority? If not they will get a cut of any tax rebate she may get, EVER. It is actually easier to deal with HMRC yourself than deal with one of those companies.

xylophone

If one of your wife's jobs is paying £150 a week then while this is less than £155 a week it is more than £112 a week...... - see link to which you refer.

maxie014

badmemory wrote: »

Has she told HMRC that the tax rebate company no longer have her authority? If not they will get a cut of any tax rebate she may get, EVER. It is actually easier to deal with HMRC yourself than deal with one of those companies.

The refund was direct from the taxman,the company we were dealing with wanted info after info,they were requesting the fourth lot,it had dragged on for months so we didnt send any more to them as were sick of the hassle by then.

maxie014

xylophone wrote: »

If one of your wife's jobs is paying £150 a week then while this is less than £155 a week it is more than £112 a week...... - see link to which you refer.

Why would she not be paying any NI then?
Another !!!! up like her tax problems?

xylophone

Why would she not be paying any NI then?

Read the tax aid link in post 3 again.

She has two jobs - in neither does she earn £155 a week.

But in one of those two jobs she earns over £112 a week.

Therefore? Implication for her state pension?

See https://www.gov.uk/national-insurance

jem16

maxie014 wrote: »

Why would she not be paying any NI then?

Because quite simply she doesn't need to.

If you had read the earlier links you would see that if you earn less than £155pw you don't pay NI. However because she earns more than £112pw she gets credited with NI even though she doesn't pay anything - this is good news.

NI is treated separately for each job unlike tax. So although she earns over £155pw in total with her two jobs, she does not earn enough in each one to actually pay NI.

Another !!!! up like her tax problems?

Not at all. It's all correct.

maxie014

Thank god for that i had visions of them tax bills coming through the door for repayment of NI again lol.

LHW99

Has child benefit been in her name?
If so, she should get cedit for the years from 27, if not working, until youngest was 18.
A pension statement should show credits.

p00hsticks

LHW99 wrote: »

Has child benefit been in her name?
If so, she should get cedit for the years from 27, if not working, until youngest was 18.
A pension statement should show credits.

you only get credits now until the child reaches the age of 12
https://www.gov.uk/national-insurance-credits/eligibility

(it changed in 2010 when NI credits were introduced - previously it was called Home Responsibilities Protection and applied until the child turned 16)