State Pension Prediction - National Insurance Credits

barnstar2077

I just checked my pension entitlement again after reading about youth credits in another thread.  My national insurance record says I have six years with national insurance credits listed.  I would have been sixteen in 93 and in a YTS scheme.  I thought that might explain why I have so many national insurance credits listed on my file, but I can't have been in the Youth Training Scheme for more than a few years at the most.  I may have been unemployed for a few months at some point, but I certainly wasn't ill/disabled, unemployed <not long term>, caring for someone full-time or on jury service as the notes imply.

Obviously, if I still get my full pension then it doesn't matter, but I plan on retiring early and I don't want it to come back to haunt me at a later date!  It says I only need four more years to qualify and I plan on working for another nine or ten at least, but then I have seen some threads where people say that have forty plus years and still don't qualify.

Can anyone think of any other reason for having so many credits listed please?

<I have cut the top off as they are all normal years.>

• 27 years of full contributions
• 23 years to contribute before 5 April 2043
• 1 year when you did not contribute enough

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1998-99 - Year is not full

You have contributions from Paid employment: £15.36, National Insurance credits: 27 weeks

These may have been added to your record if you were ill/disabled, unemployed, caring for someone full-time or on jury service.

It’s too late to pay for this year. You can usually only pay for the last 6 years.

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1997-98 - Full year

You have contributions from Paid employment: £111.86, National Insurance credits: 21 weeks

These may have been added to your record if you were ill/disabled, unemployed, caring for someone full-time or on jury service.

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1996-97 - Full year

You have contributions from Paid employment: £5.68, National Insurance credits: 50 weeks

These may have been added to your record if you were ill/disabled, unemployed, caring for someone full-time or on jury service.

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1995-96 - Full year

You have contributions from Paid employment: £271.78

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1994-95 - Full year

You have contributions from National Insurance credits: 52 weeks

These may have been added to your record if you were ill/disabled, unemployed, caring for someone full-time or on jury service.

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1993-94 - Full year

You have contributions from National Insurance credits: 52 weeks

These may have been added to your record if you were ill/disabled, unemployed, caring for someone full-time or on jury service.

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1992-93 - Full year
You have contributions from National Insurance credits: 52 weeks

These may have been added to your record if you were ill/disabled, unemployed, caring for someone full-time or on jury service.

t0rt0ise

Looks like it's all the automatic youth credits.

molerat

Youth credits were for the years in which your 16th, 17th and 18th birthdays fell.

Other credits are for the reasons listed, I can only think of receiving child benefit or spouse of UK armed forces / HMG servant posted overseas as others. What were you doing during those years ?

I found this in Hansard from 1985

Those on youth training schemes receive credits through the arrangements applicable to young people generally, which are as follows:

1. 1. Class 1 credits are available for any tax year up to and including that in which a young person reaches age 17 (or for someone not insured under the National Insurance Act 1965, a later year) and continue to the end of the first year in which class 1 or 2 contributions are first paid or treated as paid. If a claim to benefit is made by a young person who is undergoing a course of full-time education, approved training or apprenticeship that started before he or she was aged 21 and has ended, class 1 credits are made available for the relevant tax year;
2. 2. Class 2 credits have not been awarded since 1975;
3. 3. Class 3 credits are available for the tax year in which a young person becomes 16, and for the following two tax years.

barnstar2077

t0rt0ise said:

Looks like it's all the automatic youth credits.

But I would have turned 21 in 1998, and I have credits in that year.

I can only hope that it is okay and that it all goes through when the time comes.

barnstar2077

molerat said:

Youth credits were for the years in which your 16th, 17th and 18th birthdays fell.

Other credits are for the reasons listed, I can only think of receiving child benefit or spouse of UK armed forces / HMG servant posted overseas as others. What were you doing during those years ?

I found this in Hansard from 1985

Those on youth training schemes receive credits through the arrangements applicable to young people generally, which are as follows:

1. 1. Class 1 credits are available for any tax year up to and including that in which a young person reaches age 17 (or for someone not insured under the National Insurance Act 1965, a later year) and continue to the end of the first year in which class 1 or 2 contributions are first paid or treated as paid. If a claim to benefit is made by a young person who is undergoing a course of full-time education, approved training or apprenticeship that started before he or she was aged 21 and has ended, class 1 credits are made available for the relevant tax year;
2. 2. Class 2 credits have not been awarded since 1975;
3. 3. Class 3 credits are available for the tax year in which a young person becomes 16, and for the following two tax years.

I was just working.  I have no children, nor have I ever married.  I did work for a couple of small companies though.  Maybe they did something creative.  I never used to take any notice of payslips in those days. 

xylophone

I was just working.

https://adviser.royallondon.com/technical-central/rates-and-factors/ni-limits/lower-and-upper-earnings-limits/

Anything to do with

If you earn above the Lower Earning Limit (LEL) for National Insurance, but below the Primary Threshold, then you won’t actually pay any NI contributions on that wage but your record will be automatically credited with basic NI credits for that week.