Buying class 3 NI contributions to fill missing years in state pension

Littlepound68

Hi ,total newb here.
I am.seeking advice with regards to purchasing class 3 contributions to fill gaps in my state pension. 
I have a current forecast of £6650 p/Yr and forecast showing I have 11 years missing.
I am under both new and old scheme ,from what I understand I can buy  back years back to 2006.
Some years are paid but state not full,other years are not paid attall. 
There are years also where I am sure I paid the full amount when working self employed but not showing. 
I also had a period if 4 years contracted out of serps. 
Some of the recent years are showing a message stating"
 we are  Checking this year you do not have to do anything "
I'm aware I can only purchase years backdated to 2006 until next year.
I've also read from this wonderful forum that it may be not financially viable to buy certain years as it will not improve my pension.
I am currently not in the UK and really need to work out what to do. 
I am happy to purchase class 3's to raise pension to as close to max as possible. 
I've seen some very good advice on this forum and really hope that some can help me with this situation. 
I'm happy to supply any information I have from the DWP.
HELP!!

molerat

You need to post up exactly what your forecast shows, there are up to 3 figures on the front page, how many pre 2016 years and post 2016 years are currently held, which years are not full, any COPE amount shown and which tax year you reach SPA.  From that the basic requirements can be worked out.

p00hsticks

Littlepound68 said:

I'm happy to supply any information I have from the DWP.
HELP!!

So off the top of my head, in order to help we really need to know;

1. how many years do you still have to go before you reach state pension age (up to the end of the tax year before you reach SPA)?
2. Do you intend working for any of those ?
3.  Are you intending to continue to be out of the UK or to return here ?
4. How many complete NI years do you currently have ?
5. How many complete NI years pre-dating tax year 2016-17 do you have ?
6. Are the gaps before or after 2016-17 ?   
7. By my reckoning, £6660 a year equates to just under £128 a week - is that correct ? (your forecast should give a weekly figure as well as an annual one  
8. That suggests that you probably need 11 more years to get up to the full possible amount of £185.15. Which seems a bit of a coincidence, and leads me to the question - when you say your forecast is showing you have 11 years missing, are you sure it's not saying that you need 11 more years to reach the maximum, rather than that you have 11 gaps in your record ?  

 

Littlepound68

molerat said:

You need to post up exactly what your forecast shows, there are up to 3 figures on the front page, how many pre 2016 years and post 2016 years are currently held, which years are not full, any COPE amount shown and which tax year you reach SPA.  From that the basic requirements can be worked out.

Hi and thanks for your reply. 
I will get onto this now.
It may take a bit of time as I only have a mobile to work with.
Please bare with me.

Littlepound68

p00hsticks said:

Littlepound68 said:

I'm happy to supply any information I have from the DWP.
HELP!!

So off the top of my head, in order to help we really need to know;

1. how many years do you still have to go before you reach state pension age (up to the end of the tax year before you reach SPA)?
2. Do you intend working for any of those ?
3.  Are you intending to continue to be out of the UK or to return here ?
4. How many complete NI years do you currently have ?
5. How many complete NI years pre-dating tax year 2016-17 do you have ?
6. Are the gaps before or after 2016-17 ?   
7. By my reckoning, £6660 a year equates to just under £128 a week - is that correct ? (your forecast should give a weekly figure as well as an annual one  
8. That suggests that you probably need 11 more years to get up to the full possible amount of £185.15. Which seems a bit of a coincidence, and leads me to the question - when you say your forecast is showing you have 11 years missing, are you sure it's not saying that you need 11 more years to reach the maximum, rather than that you have 11 gaps in your record ?  

 

Hi,and thank you for replying. 
I can answer some of the questions now the rest I will have to go and find. 
I will be 67 on 12/05/2035 so 13 years left.
You we're correct in your comment it's 11 years more contributions needed to obtain maximum pension my mistake
There are gaps before 2016 aswel as after.
The rest I will have to go back to the UK government Website and obtain the figures.
I will post the info that you have asked for.
It may take a while!
Thanks for your help.

Linton

Talk to the Future Pensions Centre https://www.gov.uk/future-pension-centre. They will tell you which years you need to buy.

Littlepound68

molerat said:

You need to post up exactly what your forecast shows, there are up to 3 figures on the front page, how many pre 2016 years and post 2016 years are currently held, which years are not full, any COPE amount shown and which tax year you reach SPA.  From that the basic requirements can be worked 

Your National Insurance record

Show your National Insurance number

You have:

• 24 years of full contributions
• 14 years to contribute before 5 April 2035
• 13 years when you did not contribute enough

2021-22

Your record for this year is not available yet

2020-21

Year is not full

You did not make any contributions this year

Pay a voluntary contribution of £795.60 by 5 April 2027. This shortfall may increase after 5 April 2023.

2019-20

Year is not full

You did not make any contributions this year

You can make up the shortfall

Pay a voluntary contribution of £824.20 by 5 April 2026. This shortfall may increase after 5 April 2023.

2018-19

Year is not full

You did not make any contributions this year

You can make up the shortfall

Pay a voluntary contribution of £824.20 by 5 April 2025. This shortfall may increase after 5 April 2023.

2017-18

Year is not full

You did not make any contributions this year

You can make up the shortfall

Pay a voluntary contribution of £824.20 by 5 April 2024. This shortfall may increase after 5 April 2023.

2016-17

Year is not full

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.

2015-16

Full year

You have contributions from

Paid employment: £1,201.70

2014-15

Full year

You have contributions from

Self-employment: 53 weeks

2013-14

Full year

You have contributions from

Self-employment: 52 weeks

2012-13

Year is not full

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.

2011-12

Full year

You did not make any contributions this year

2010-11

Full yearYou have contributions from

Paid employment: £53.35

2009-10

Full year

You have contributions from

Paid employment: £53.35

2008-09

Full year

You have contributions from

Paid employment: £84.15

2007-08

Year is not full

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.

2006-07

Full year

2005-06

Full year

You have contributions from

Self-employment: 52 weeks

2004-05

Full year

You have contributions from

Paid employment: £586.71

Self-employment: 14 weeks

2003-04

Full year

You have contributions from

Paid employment: £694.12

Self-employment: 24 weeks

2002-03

Full year

You have contributions from

Paid employment: £1,165.20

2001-02

Full year

You have contributions from

Paid employment: £1,162.88

2000-01

Full year

You have contributions from

Paid employment: £1,048.66

1999-00

Full year

You have contributions from

Paid employment: £987.22

1998-99

Full year

You have contributions from

Paid employment: £582.06

1997-98

Year is not full

You have contributions from

Paid employment: £79.61

It’s too late to pay for this year. You can usually only pay for the last 6 years.

1996-97

Year is not full

You have contributions from

National Insurance credits: 1 week

This week may have been added to your record if you were ill/disabled, unemployed, caring for someone full-time or on jury service.

It’s too late to pay for this year. You can usually only pay for the last 6 years.

1995-96

Full year

You have contributions from

National Insurance credits: 52 weeks

These may have been added to your record if you were ill/disabled, unemployed, caring for someone full-time or on jury service.1994-95

Year is not full

You have contributions from

National Insurance credits: 46 weeks

These may have been added to your record if you were ill/disabled, unemployed, caring for someone full-time or on jury service.

It’s too late to pay for this year. You can usually only pay for the last 6 years.

1993-94

Full year

You have contributions from

Paid employment: £35.10

National Insurance credits: 42 weeks

These may have been added to your record if you were ill/disabled, unemployed, caring for someone full-time or on jury service.

1992-93

Year is not full

You have contributions from

National Insurance credits: 37 weeks

These may have been added to your record if you were ill/disabled, unemployed, caring for someone full-time or on jury service.

It’s too late to pay for this year. You can usually only pay for the last 6 years.

1991-92

Year is not full

You have contributions from

National Insurance credits: 29 weeks

These may have been added to your record if you were ill/disabled, unemployed, caring for someone full-time or on jury service.

Find out more 

It’s too late to pay for this year. You can usually only pay for the last 6 years.

1990-91

Year is not full

You have contributions from

Paid employment: £41.75

It’s too late to pay for this year. You can usually only pay for the last 6 years.

1989-90

Full year

You have contributions from

Paid employment: £317.16

1988-89

Full year

You have contributions from

Paid employment: £383.23

1987-88

Full year

You have contributions from

Paid employment: £72.08

National Insurance credits: 36 weeks

These may have been added to your record if you were ill/disabled, unemployed, caring for someone full-time or on jury service.

1986-87

Full year

1985-86

Full year

You have contributions from

Paid employment: £280.88

National Insurance credits: 52 weeks

These may have been added to your record if you were ill/disabled, unemployed, caring for someone full-time or on jury service.

1984-85

Full year

You have contributions from

Paid employment: £189.71

National Insurance credits: 52 weeks

These may have been added to your record if you were ill/disabled, unemployed, caring for someone full-time or on jury service.

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Littlepound68

This is the information received from the government website. 

Littlepound68

p00hsticks said:

Littlepound68 said:

I'm happy to supply any information I have from the DWP.
HELP!!

So off the top of my head, in order to help we really need to know;

1. how many years do you still have to go before you reach state pension age (up to the end of the tax year before you reach SPA)?
2. Do you intend working for any of those ?
3.  Are you intending to continue to be out of the UK or to return here ?
4. How many complete NI years do you currently have ?
5. How many complete NI years pre-dating tax year 2016-17 do you have ?
6. Are the gaps before or after 2016-17 ?   
7. By my reckoning, £6660 a year equates to just under £128 a week - is that correct ? (your forecast should give a weekly figure as well as an annual one  
8. That suggests that you probably need 11 more years to get up to the full possible amount of £185.15. Which seems a bit of a coincidence, and leads me to the question - when you say your forecast is showing you have 11 years missing, are you sure it's not saying that you need 11 more years to reach the maximum, rather than that you have 11 gaps in your record ?  

Your National Insurance 

Show your National Insurance number

You have:

• 24 years of full contributions
• 14 years to contribute before 5 April 2035
• 13 years when you did not contribute enough

2021-22

Your record for this year is not available yet

2020-21

Year is not full

You did not make any contributions this year

You can make up the shortfall

Pay a voluntary contribution of £795.60 by 5 April 2027. This shortfall may increase after 5 April 2023

2019-20

Year is not full

You did not make any contributions this year

You can make up the shortfall

Pay a voluntary contribution of £824.20 by 5 April 2026. This shortfall may increase after 5 April 2023.

2018-19

Year is not full

You did not make any contributions this year

You can make up the shortfall

Pay a voluntary contribution of £824.20 by 5 April 2025. This shortfall may increase after 5 April 2023.

2017-18

Year is not full

You did not make any contributions this year

You can make up the shortfall

Pay a voluntary contribution of £824.20 by 5 April 2024. This shortfall may increase after 5 April 2023.

2016-17

Year is not full

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.

2015-16

Full year

You have contributions from

Paid employment: £1,201.70

2014-15

Full year

You have contributions from

Self-employment: 53 weeks

2013-14

Full year

You have contributions from

Self-employment: 52 weeks

2012-13

Year is not full

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.

2011-12

Full year

You did not make any contributions this year

2010-11

Full year

You have contributions from

Paid employment: £53.35

2009-10

Full year

You have contributions from

Paid employment: £53.35

2008-09

Full year

You have contributions from

Paid employment: £84.15

2007-08

Year is not full

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.

2006-07

Full year

2005-06

Full year

You have contributions from

Self-employment: 52 weeks

2004-05

Full year

You have contributions from

Paid employment: £586.71

Self-employment: 14 weeks

2003-04

Full year

You have contributions from

Paid employment: £694.12

Self-employment: 24 weeks

2002-03

Full year

You have contributions from

Paid employment: £1,165.20

2001-02

Full year

You have contributions from

Paid employment: £1,162.88

2000-01

Full year

You have contributions from

Paid employment: £1,048.66

1999-00

Full year

You have contributions from

Paid employment: £987.22

1998-99

Full year

You have contributions from

Paid employment: £582.06

1997-98

Year is not full

You have contributions from

Paid employment: £79.61

It’s too late to pay for this year. You can usually only pay for the last 6 years.

1996-97

Year is not full

You have contributions from

National Insurance credits: 1 week

This week may have been added to your record if you were ill/disabled, unemployed, caring for someone full-time or on jury service.

It’s too late to pay for this year. You can usually only pay for the last 6 years.

1995-96

Full year

You have contributions from

National Insurance credits: 52 weeks

These may have been added to your record if you were ill/disabled, unemployed, caring for someone full-time or on jury service.

1994-95

Year is not full.

You have contributions from

National Insurance credits: 46 weeks

These may have been added to your record if you were ill/disabled, unemployed, caring for someone full-time or on jury service.

It’s too late to pay for this year. You can usually only pay for the last 6 years.

1993-94

Full year

You have contributions from

Paid employment: £35.10

National Insurance credits: 42 weeks

These may have been added to your record if you were ill/disabled, unemployed, caring for someone full-time or on jury service.

1992-93

Year is not full

You have contributions from

National Insurance credits: 37 weeks

These may have been added to your record if you were ill/disabled, unemployed, caring for someone full-time or on jury service.

It’s too late to pay for this year. You can usually only pay for the last 6 years.

1991-92

Year is not full

You have contributions from

National Insurance credits: 29 weeks

These may have been added to your record if you were ill/disabled, unemployed, caring for someone full-time or on jury service.

It’s too late to pay for this year. You can usually only pay for the last 6 years.

1990-91

Year is not full

You have contributions from

Paid employment: £41.75

It’s too late to pay for this year. You can usually only pay for the last 6 years.

1989-90

Full year

You have contributions from

Paid employment: £317.16

1988-89

Full year

You have contributions from

Paid employment: £383.23

1987-88

Full year

You have contributions from

Paid employment: £72.08

National Insurance credits: 36 weeks

These may have been added to your record if you were ill/disabled, unemployed, caring for someone full-time or on jury service.

1986-87

Full year

1985-86

Full year

You have contributions from

Paid employment: £280.88

National Insurance credits: 52 weeks

These may have been added to your record if you were ill/disabled, unemployed, caring for someone full-time or on jury service.

1984-85

Full year

You have contributions from

Paid employment: £189.71

National Insurance credits: 52 weeks

These may have been added to your record if you were ill/disabled, unemployed, caring for someone full-time or on jury service.

Hi poosticks this is all I can find on the government website at moment. 

Hope this is helpful. 

Lp

Dazed_and_C0nfused

That is great but you do really need to include your current weekly amount accrued.

Depending on where the annual figure you quoted has originated from can mean there is a bit of flex in the weekly amount and that is what really matters.

Someone who has accrued say £158.65/week might need to add 6 years to reach £185.15/week.   The first five could be adding £5.29/week but the sixth just the final £0.05/week so much less attractive if it involves spending £800 on voluntary NI contributions!

xylophone

Please bare with me.

Are you sure you're on the right forum....?