Missing National Insurance Credits

SirSavaLot_2

Hi all, 
I recently checked my NI credits for the year 2019-2020 (on the NI Tax website) and found that only 6 weeks worth of credits have been added for the whole of that period. These NI credits count towards your state pension and missing contributions mean you get a lower state pension.
For the whole of the period mentioned, I was on UC, attended all meetings and applied for jobs.  I have raised these missing contributions with the DWP but am still waiting a reply.  The Tax office say they have not received the contributions. I am preparing to raise a complaint how but wondered widespread this problem is and if anyone else has encountered this issue ??
Thanks. 


  

Dazed_and_C0nfused

These NI credits count towards your state pension and missing contributions mean you get a lower state pension

Missing contributions mean you might get a lower State Pension.

Have you checked your State Pension forecast on gov.uk (available on your Personal Tax Account) to see what you have accrued to 5 April 2019 (ignore the likely headline of £175.20) and how many additional years you actually need to get to £175.20?

[Deleted User]

You "only" need a certain number of years (35) for a full pension. Given you typically work something like 20-67 or similar depending on university etc you will be well over the 35 years needed unless you somehow miss 12 years.

HMRC say I need 13 more years but I doubt they will let me retire then when I could be milked for another 14-15 years without any extra gain for myself lol

Dazed_and_C0nfused

Deleted_User said:

You "only" need a certain number of years (35) for a full pension. Given you typically work something like 20-67 or similar depending on university etc you will be well over the 35 years needed unless you somehow miss 12 years.

The op had a credit card in 2014 so I think it's safe to say the new State Pension rules, where 35 years are relevant, do not apply to them.

They will be under transitional rules (like most of the rest of the country).

molerat

Deleted_User said:

You "only" need a certain number of years (35) for a full pension. Given you typically work something like 20-67 or similar depending on university etc you will be well over the 35 years needed unless you somehow miss 12 years.

HMRC say I need 13 more years but I doubt they will let me retire then when I could be milked for another 14-15 years without any extra gain for myself lol

So why don't I get a full pension with 42 years paid and only 7 unpaid then ?  (and before everyone else jumps in I do know the answer)

Dazed_and_C0nfused

molerat said:

Deleted_User said:

You "only" need a certain number of years (35) for a full pension. Given you typically work something like 20-67 or similar depending on university etc you will be well over the 35 years needed unless you somehow miss 12 years.

HMRC say I need 13 more years but I doubt they will let me retire then when I could be milked for another 14-15 years without any extra gain for myself lol

So why don't I get a full pension with 42 years paid and only 7 unpaid then ?  (and before everyone else jumps in I do know the answer)

Even gov.uk seems to be a bit clearer now that it has previously been so less and less excuse for misunderstandings from everyone on the 35 years bandwagon 

https://www.gov.uk/new-state-pension/how-its-calculated

SirSavaLot_2

I did check my State Pension forecast as well and ironically, I have 34 years of contributions. So I need only 1 more full year for a full pension. So its even more important that the NI contributions for 2019-2020 are paid to tax office. 

leicester34345

Similar to OP, mines saying no credits received for 2019/2020, despite being on UC and complying with all requirements. hopefully just a case of covid holding up DWP sending credits to HMRC

p00hsticks

SirSavaLot_2 said:

I did check my State Pension forecast as well and ironically, I have 34 years of contributions. So I need only 1 more full year for a full pension. So its even more important that the NI contributions for 2019-2020 are paid to tax office. 

Please don't assume that you ony need one more - is that what your forecast actually says ?

Anyone - like you and me - whose working life started prior to the introduction of the new State Pension in April 2016 - are under transitional rules and the often (mis)quoted '35 years gives you a full new state pension'  does not necessarily apply. You may need more or less depending on your individual circumstances, which is why it's important to check.  

SirSavaLot_2

Thanks all, for your comments.
If there is any variation in the number of qualifying years required, I guess it makes it even more important to get as many as possible. 
I have raised a claim with DWP but they are blaming delay on the Tax office. The claim has been escalated in DWP  but doesn't seem to be going anywhere.  So I'm raising a complaint with the Tax office as well. Will keep you updated.  

SirSavaLot_2

Further info. I've heard now from a couple of people on UC who have not been paid NI credits for 2019-2020 and everyone i speak to at DWP is playing the issue down. So I recommend that everyone on UC check their NI record asap and if credits are missing, to raise a complaint with DWP immediately.