Working out state pension amounts

Janegt

xylophone said:

Definitely a case for speaking to the FPC.

Indeed - and see my post above.

Has her husband always been self employed?

In second link page 7

How to work out if you have gaps in your National Insurance record which can be filled

If you have gaps in your National Insurance (NI) record you may be able to make up the gaps, and
so increase your State Pension, by paying voluntary National Insurance contributions (NICs). However, you can’t fill a gap if, in the year in question, you were:

• over State Pension age at any point or
• eligible to pay the special reduced ‘married woman’s

rate’ of National Insurance for that year, or

• exempt from paying NI as a self-employed person because you held a low earnings exception certificate. However, you may be able to pay voluntary Class
2 NICs – the special category of NI for the self-employed – and the cost of this is just £3

per week at 2019/20 rates.

Provided that you don’t fit in any of the above categories and that the deadline has not passed, you can buy back as many ‘missing’ years as you wish.

Hello, yes, he’s always been self-employed and from what you’ve posted it looks like he should be able to buy some years which would be great - thanks for your help! 

molerat

Janegt said:

molerat said:

That is interesting as it doesn't give an amount with purchasing back years, there is usually a third amount with filling prior gaps. Does it give costs to fill those gap years in the NI record ? If those 5 post 2006 gaps could be filled then that could take him to £148.11. Definitely a case for speaking to the FPC to clarify the situation.

No, it gives no other figures - I will definitely get him to call FPC - thanks again for your help 

Please come back and let us know the outcome of the contact,  it could be of use to others.

Janegt

molerat said:

Janegt said:

molerat said:

That is interesting as it doesn't give an amount with purchasing back years, there is usually a third amount with filling prior gaps. Does it give costs to fill those gap years in the NI record ? If those 5 post 2006 gaps could be filled then that could take him to £148.11. Definitely a case for speaking to the FPC to clarify the situation.

No, it gives no other figures - I will definitely get him to call FPC - thanks again for your help 

Please come back and let us know the outcome of the contact,  it could be of use to others.

He prob won’t phone for a week or two as he’s very busy and I’m thinking the FPC are probably very busy at the moment too but yes, I will be back to report the outcome!