Years of full contribution are higher that my years on the NI system. How come?

apantoja

Hello all,
I've checked my National Insurance record and this it is says that i have 13 years of full contributions, from 2008.
I came to the UK in late 2007 but only from 2008 and I started to pay National Insurance after I got my Master's degree.
How it is possible that I have 13 years of NI contributions when I have been working in the UK for less than 10?


Thanks
Lili

xylophone

Were you aged 16-18 pre 2010?
https://www.pensionsadvisoryservice.org.uk/about-pensions/the-state-pension/ni-credits

colsten

Which years does your NI record show?

michaels

serps / ss2p

resilie

I looked at my NI records today and have noticed the same...have 14 years on record but have worked for only 11... no idea why either...

michaels could you elaborate please?

molerat

Nothing to do with serps/s2p but with xylaphone's link in post #2
https://www.pensionsadvisoryservice.org.uk/about-pensions/the-state-pension/ni-credits

You may receive/ have received National Insurance credits if you:
if you were aged 16 – 18 before April 2010;

From 1975 16, 17 and 18 year olds were given credits if they stayed in full time education, approved training or apprenticeship to protect their state pension position. These credits were ended on 6 April 2010 because the reduction in the number of qualifying years required for a full basic State Pension at that time meant that they were no longer needed.

Asghar

Shouldn't the National Insurance credits for 16, 17 and 18 year olds be listed on their National Insurance record as Full Years? Mine do.

A colleague showed me theirs last year. I think they had 24 years listed as Full (qualifying) Years on their NI record, yet their Summary states they have 27 years of full contributions, I remember the 3 year difference. Their pension forcast was based on the 27 years.
They moved to this country at age 19 or 20 and was not educated here.

resilie

as other posters above I moved to the UK aged 18 so not sure why I would qualify for these... I was in FT education for a few years before starting work though...

molerat

resilie wrote: »

as other posters above I moved to the UK aged 18 so not sure why I would qualify for these... I was in FT education for a few years before starting work though...

Starting Credits were given whenever a NI number was allocated if you were in the age criteria, there was no requirement to be resident at the relevant age. This was to protect UK citizens who were out of the UK at the relevant age but had the knock on effect seen and was thought too difficult and costly to correctly implement compared to the relatively small cost benefit.

atush

resilie wrote: »

as other posters above I moved to the UK aged 18 so not sure why I would qualify for these... I was in FT education for a few years before starting work though...

I was 29 when I moved here, and I got them. But people dont now.

resilie

molerat wrote: »

Starting Credits were given whenever a NI number was allocated if you were in the age criteria, there was no requirement to be resident at the relevant age. This was to protect UK citizens who were out of the UK at the relevant age but had the knock on effect seen and was thought too difficult and costly to correctly implement compared to the relatively small cost benefit.

Thank you, that makes much more sense now.