State pension forecast

agent69

I'm maxed out on the amount of pension that I can receive, but for some strange reason I can't resist looking to make certain the forecast hasn't changed.


While looking recently I clicked on the link to my NI record and saw something strange. I was in full time education until I graduated at the age of 21, but the NI records say I had 3 full years accrued by the age of 19.



Where did this 3 years come from, given my only employmed prior to graduation was a bit of summer holiday work, and a weekend job before I went to college.

lisyloo

We used to get credits in full time education.
Youngsters don’t now, so you can consider yourself a winner to that extent.

NoMore

I believe if you were in full time education before 2010 at age 16 to 18, you get credited full NI for those years.

Paul_Herring

https://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/209123/national-insurance-single-tier-note.pdf

25. 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.

agent69

Thanks for the clarification.