State Pension Contributions

kwame41

Hi, Sorry if this has been answered before.


My wife and I have checked online to see how many years NI contributions we have made.


She has 33 years full contributions.


My question is am I correct in thinking if she contributes another 2 years she will then qualify for the full state pension?


The GOV website says another four years to reach the full entitlement.


I thought 35 full years was enough?

GunJack

kwame41 wrote: »

Hi, Sorry if this has been answered before.


My wife and I have checked online to see how many years NI contributions we have made.


She has 33 years full contributions.


My question is am I correct in thinking if she contributes another 2 years she will then qualify for the full state pension?


The GOV website says another four years to reach the full entitlement.


I thought 35 full years was enough?

If her forecast says 4 years, it's 4 years. It's only 35 years for someone starting their NI contributions from Apr 2016. Anyone who has NI from pre-Apr 16's starting amount was calculated at Apr 16 under old & new rules, actual starting amount was higher of the two calculations. Any Contracted-Out pension schemes prior to Apr 16 will result in a lower starting amount, so more to make up post-Apr 16.

kwame41

I see.


Thanks for the reply.

Silvertabby

In DWP speak, 'full year of NI conts' just means 'full financial year', and not 'full rate NI contributions' (as opposed to contracted out reduced NI contributions).