NI contributions after July 22

tismejojo

When the NI threshold increases in July, I will no longer pay NI. I believe I need 35 years of contributions to gain the full new state pension upon retirement. So far I have 25 years worth of contributions. My question is where/how do I go about paying NI to ensure I get the max pension, if it won’t automatically be coming out of my wages any more? Thanks in advance. 

Dazed_and_C0nfused

Why do you think you need 35 years?

Have you checked your State Pension forecast on gov UK?

Also, you don't have to pay NI to gain a qualifying year.  Read up on the lower earnings limit (LEL) and that will likely put your mind at rest.

MX5huggy

If you earn about £6000 you get an NI credit that’s not changing. 

savingmore

or you can pay class 3 voluntary contributions, about £800 a year if all else fails.

Dazed_and_C0nfused

savingmore said:

or you can pay class 3 voluntary contributions, about £800 a year if all else fails.

Agreed but nothing the op has posted suggests that this will be necessary.

They are mistaken about both the 35 years and needing to pay NI to get a qualifying year but as they are currently paying NI and don't mention a change in earnings there is no reason they won't still gain an additional year.

Audaxer

tismejojo said:

When the NI threshold increases in July, I will no longer pay NI. I believe I need 35 years of contributions to gain the full new state pension upon retirement. So far I have 25 years worth of contributions. My question is where/how do I go about paying NI to ensure I get the max pension, if it won’t automatically be coming out of my wages any more? Thanks in advance. 

I have 46 years of full NI contributions but I still need to make another 3 years of voluntary contributions to get to the maximum amount. The 35 year limit applies to only those who start paying NI from 2016. If you already have 25 years of contributions you may need more than 35 years contributions to reach the maximum amount. You need to check your State Pension forecast online to learn how many years to still need to contribute to get to the maximum amount.