Guide discussion: Voluntary national insurance contributions

molerat

It is the bottom 2 lines that mean you are there.  If you needed to pay more it would say so.

S2P / SERPS / Additional Pension all pretty much the same thing (although they are distinctly different) covering anything additional to the basic pension.

Grumpy_chap

molerat said:

It is the bottom 2 lines that mean you are there.  If you needed to pay more it would say so.

S2P / SERPS / Additional Pension all pretty much the same thing (although they are distinctly different) covering anything additional to the basic pension.

Thank you.

We were thinking of Mrs G-C trying to find a way to gain credits (even a part time job).  Now we won't have to 😁

pritchah

molerat said:

As she has in excess of 35 full years prior to 2016 only those 5 post 2016 can be purchased.  That £4092.40 will give £31.60 per week.

So you need to get that call back booked Request a call back to pay voluntary National Insurance contributions - GOV.UK  and get those years paid. It could be up to a year before the increased pension comes into payment but it will be backdated to receipt of the contributions.

Many thanks for this - Just looking at changes happening in April, mine will go up to £838.28 every four weeks, and my wife's £737.12 (from 19/5/2025) so £100 gap which can be filled. I'll look into booking the callback later today!

Dazed_and_C0nfused

pritchah said:

molerat said:

As she has in excess of 35 full years prior to 2016 only those 5 post 2016 can be purchased.  That £4092.40 will give £31.60 per week.

So you need to get that call back booked Request a call back to pay voluntary National Insurance contributions - GOV.UK  and get those years paid. It could be up to a year before the increased pension comes into payment but it will be backdated to receipt of the contributions.

Many thanks for this - Just looking at changes happening in April, mine will go up to £838.28 every four weeks, and my wife's £737.12 (from 19/5/2025) so £100 gap which can be filled. I'll look into booking the callback later today!

I'm not sure why you are connecting yours and your wife's pension entitlement?

I'm sure @molerat's reply will be correct so buying the 5 post 2016 years will take her 2025-26 four weekly payments to £868.68.

So £30 more than yours (every four weeks).

pritchah

pritchah said:

molerat said:

As she has in excess of 35 full years prior to 2016 only those 5 post 2016 can be purchased.  That £4092.40 will give £31.60 per week.

So you need to get that call back booked Request a call back to pay voluntary National Insurance contributions - GOV.UK  and get those years paid. It could be up to a year before the increased pension comes into payment but it will be backdated to receipt of the contributions.

Many thanks for this - Just looking at changes happening in April, mine will go up to £838.28 every four weeks, and my wife's £737.12 (from 19/5/2025) so £100 gap which can be filled. I'll look into booking the callback later today!

I called the general DWP number but of course couldn't get through. So I have requested a callback

Would my wife rather be able to just contact HMRC online, request the reference number and pay the £4092.40 that way, or is it better to get a formal offer from DWP first? The HMRC talk to an agent service is also unavailable atm

I am aware of the deadline, although I think that shouldn't now matter as I've requested the callback

MarleyandTiger

I apologise if this has been posted before, I am new to the forum....but would appreciate any advice.

I have checked my NI Record, especially in light of the buy back dates.

My 2017-2018 NI year is not full, and the message with it is that " We are checking this year to see if it counts towards your pension. We’ll update your record when this is finished, you do not need to do anything"

In light of me being unable to buy back this year after April 6th....has anyone else had this message, and how do you deal with it, in order to find out how much you need to pay to buy back? 

Thanks

molerat

That message is usually down to you being registered as self employed and not paying class 2.  The only way to clear that message is to speak to HMRC.  Do you actually need that year ?  Were yo SE and did you pay class 2 ?

Abzinthe

Hi, I have checked my National Insurance record and noticed that there are 2 gaps from 2006-2007 and 2007-2008. Every other year is a full year, and in the summary it states "Your forecast is £221.20 a week".

Does this mean that paying for the gaps would not be of benefit to me?

Many Thanks.

molerat

Abzinthe said:

Hi, I have checked my National Insurance record and noticed that there are 2 gaps from 2006-2007 and 2007-2008. Every other year is a full year, and in the summary it states "Your forecast is £221.20 a week".

Does this mean that paying for the gaps would not be of benefit to me?

Many Thanks.

What else does it state on the forecast, you need to read the whole thing and not just the big green box at the top.

There is no way of telling from the limited information you have given.

Abzinthe

molerat said:

Abzinthe said:

Hi, I have checked my National Insurance record and noticed that there are 2 gaps from 2006-2007 and 2007-2008. Every other year is a full year, and in the summary it states "Your forecast is £221.20 a week".

Does this mean that paying for the gaps would not be of benefit to me?

Many Thanks.

What else does it state on the forecast, you need to read the whole thing and not just the big green box at the top.

There is no way of telling from the limited information you have given.

Yes you are correct. I must be blind
It's states that I have to contribute in bold letters🤦

"You need to continue to contribute National Insurance to reach your forecast"

I'll get this sorted ASAP

Many thanks