Is there a really detailed online method to check NICs?

Langtang

Marcon said:

Try this: https://www.tax.service.gov.uk/shortforms/form/DPU_SAR_NI?_ga=2.230026460.1544670040.1621021753-1315656139.1609178084

Wow! Thanks for this link. Have submitted a request. I'm in the process of talking with an IFA, with regard to pensions and retirement options so it will be very interesting to see what info this throws up.

 I took out a pension in '89, when regulations relaxed, but according to my "check your pension" page, there's no sign of any differences in NI payments over the years from contracting out/in (can never remember if it's contracting in or out!). The pension came under the mis-sold umbrella in 2001, so I am keen to see if I will have a full State pension or not....

nigelbb

Marcon said:

Update: just received a letter from HMRC explaining that my request is classed as a 'complex' request and they will not be able to meet their normal Subject Access Request turnaround time of a month. They aim to reply by 7 August 2021.

Wonder how @nigelbb is faring?

Nothing yet. When did you submit your request?

nigelbb

JoeCrystal said:

That's interesting! More likely that you got added to the queue with the rest of SARs? They do have a SAR team but I won't be surprised if it is only a handful of staffs

Surely the information is all online now? All the SAR team have to do is press a button.

nigelbb

what-a-save said:

I would suggest ‘nigelbb’ that you put aside some quiet time when you receive the requested SAR. 

I made a request earlier this year and subsequently received 135 double sided pages of information !!

It will include limited detail of previous employers, earnings, contributions etc. 

It will also include details of your bank accounts and interest paid !!
it was quite an eye opener for me. 

It's a shame that it's a paper record. A PDF would have been more useful as it would be searchable.

Marcon

nigelbb said:

Marcon said:

Update: just received a letter from HMRC explaining that my request is classed as a 'complex' request and they will not be able to meet their normal Subject Access Request turnaround time of a month. They aim to reply by 7 August 2021.

Wonder how @nigelbb is faring?

Nothing yet. When did you submit your request?

A few hours before you, when I first found that link (as a result of googling in response to the first post in this thread).

jamesd

Langtang said:

 I took out a pension in '89, when regulations relaxed, but according to my "check your pension" page, there's no sign of any differences in NI payments over the years from contracting out/in (can never remember if it's contracting in or out!). The pension came under the mis-sold umbrella in 2001, so I am keen to see if I will have a full State pension or not....

There wasn't any change in NI deductions for people who contracted themselves out, just a rebate paid into the nominated pension scheme once a year.

The new state pension made many individual contracting out choices correct even if they didn't appear that way for a while. The availability of years from 2016 on to get to the new state pension level is the cause, while those who didn't contract out would already be over it and not able to improve their position with more years.

nigelbb

jamesd said:

Langtang said:

 I took out a pension in '89, when regulations relaxed, but according to my "check your pension" page, there's no sign of any differences in NI payments over the years from contracting out/in (can never remember if it's contracting in or out!). The pension came under the mis-sold umbrella in 2001, so I am keen to see if I will have a full State pension or not....

There wasn't any change in NI deductions for people who contracted themselves out, just a rebate paid into the nominated pension scheme once a year.

The new state pension made many individual contracting out choices correct even if they didn't appear that way for a while. The availability of years from 2016 on to get to the new state pension level is the cause, while those who didn't contract out would already be over it and not able to improve their position with more years.

Unfortunately some of us who were contracted out are too old to add enough post-2016 contributions to reach the £179.90/week single tier pension. I started receiving my state pension 2 years ago & I'm currently receiving £149.48/week. If I were 6 years younger I would be looking at a full state pension.

I'm still working & appreciate I have a 10% tax cut from no longer paying National Insurance contributions but would prefer to continue paying for a few more years to maximise my pension. It's only employee contributions that stop on receiving the state pension so my employer is still paying.

jamesd

nigelbb said:

Unfortunately some of us who were contracted out are too old to add enough post-2016 contributions to reach the £179.90/week single tier pension. I started receiving my state pension 2 years ago & I'm currently receiving £149.48/week. If I were 6 years younger I would be looking at a full state pension.

I'm still working & appreciate I have a 10% tax cut from no longer paying National Insurance contributions but would prefer to continue paying for a few more years to maximise my pension. It's only employee contributions that stop on receiving the state pension so my employer is still paying.

Yes, quite a lot can't get to the full single tier level. You still get the independent pension (or reduced NI in some DB schemes) and some double dipping ability compared to those not opted out, though, so that still shifts things more towards contracting out being better than originally expected.

nigelbb

nigelbb said:

Marcon said:

Update: just received a letter from HMRC explaining that my request is classed as a 'complex' request and they will not be able to meet their normal Subject Access Request turnaround time of a month. They aim to reply by 7 August 2021.

Wonder how @nigelbb is faring?

Nothing yet. When did you submit your request?

I just received a letter from HMRC apologising that they cannot meet the 1 month SAR deadline as it is a complex request so are giving themselves until August to respond.

[Deleted User]

what-a-save said:

I would suggest ‘nigelbb’ that you put aside some quiet time when you receive the requested SAR. 

I made a request earlier this year and subsequently received 135 double sided pages of information !!

It will include limited detail of previous employers, earnings, contributions etc. 

It will also include details of your bank accounts and interest paid !!
it was quite an eye opener for me. 

I have just requested SAR data on myself - from 42 years of working (and paying NI) - I wonder how many pages that will consist of ?