Ni Credits Grandparent looking after grandchild

Happychappy

Hi

I am currently 65 years of age, and due to receive my State Pension next July 2021, I have 49 years of N/I contributions, but in order to receive the maximum pension I still require a further single contribution from the current tax year 6th April 2020 to 5th April 2021. In March 2020, I left my employment after 43 years, and drew upon a private pension in order to care for my 2 yr old grandson, so that my son and daughter-in-law could continue their careers, expecting to claim the National Insurance credit for the tax year 2020/2021 ending on 5th April 2021, by my daughter in law transferring the N/I credit via form CF411A, I would then receive the credit and full pension amount on my 66th birthday, 29th July 2021.

I started to complete form CF411A, and noted, applications cannot be made until October following the end of a tax year, therefore if I applied in October 2021 for the tax year ending April 2021 this would be after I started receive my state pension, and therefore this would recognise the credit? It appears that although a tax years ends on 5th April, the department responsible cannot calculate National Insurance contributions for a further 6 months ? I spoke with the various helplines and received conflicting advice and to claim in October 2021, which would be too late?

Clearly this cannot be right, that I am claiming a credit for something I was eligible for during the tax year from April 2020 to April 2021, but as this would not be administered until half way through the following tax year, and after I reach state pension age in July 2021, I would not be eligible. Has anyone else come across this.

[Deleted User]

Have you requested a state pension forecast, I'm not sure why you think you will need 50 years of N.I cont. to get the maximum SRP, although its not quite that simple
have a read:
https://www.gov.uk/new-state-pension/your-national-insurance-record-and-your-state-pension

Happychappy

Thanks, yes I have online access to State pension forecast which shows I have 49 full years contributions, however, as they were local government, they were contracted out, therefore I still have one final year before I can make the maximum, minus 20p, it is this final year which is the problem

calcotti

Never come across this although it can’t be unique. Possibly your NSP will have to be calculated based on records at that time and then revised if your NI record is subsequently updated. You would therefore experience a delay to receiving the additional amount but once amended I would expect you to get an arrears payment.