OAP Question .

Silvertabby

alfmurph said:

Have sent e-mail to the future pension centre .
So would she need to pay £800 twice for missing 2 years nhi contributions .
2021-2022 and 2022-2023 .
Thanks everyone who replied . Very helpful .

If she is currently on £180 then only one year is needed - she can't exceed the (current) maximum of £185.15.

Secret2ndAccount

People, stop telling the OP to pay out £800.    OP, Google Carer's Credit, or look at https://www.gov.uk/carers-credit
From what you've written, it appears quite possible that your wife is eligible for carer's credit, which does not pay you any money, but gives you NI credits. She would need to provide care from Next April to the April after to get a free year, which would top her up to a virtually full State Pension. Or perhaps try a backdated claim for this year which could amount to more than half a year. That significantly cuts the price to top up the year.
It's possible she could claim carer's allowance which would pay her some money too, but the criteria are more difficult.

p00hsticks

Secret2ndAccount said:

People, stop telling the OP to pay out £800.    OP, Google Carer's Credit, or look at https://www.gov.uk/carers-credit
From what you've written, it appears quite possible that your wife is eligible for carer's credit, which does not pay you any money, but gives you NI credits. She would need to provide care from Next April to the April after to get a free year, which would top her up to a virtually full State Pension.

She doesn;t have time to do that though - the OP has said she reaches State Retirement Age in April 2023.

In fact, if her birthday is before the 6th of that month, topping up this year (whether by voluntary contributions or by obtaining credits in some way) will not increase her state pension either, as the year in which you reach SRA doesn't count.

Her onyl option that In can see is retrospectively pay for year 2021-22.

molerat

I agree the 2023-24 option for carer credit is not available but OP mentioned that the NI record for 2022-23 was "not available" which I read to mean that is what is showing so is an option to fill.  Claiming some form of carer credit for the remainder of this FY could therefore make this a cheap year and from OP's vague intimation of current amount only one would be needed.

alfmurph

Have sent e-mail to the future pension centre and sent form to carer's centre .
Looks like we have left it to late .
My wife's birthday is april 29th when she is 66 in 2023 .
We will see what both places come up with .
Pretty pessimistic but thank you everyone for your input .
£5 a week is not much until you multiply it 20 years .
Maybe if she gets 6 month's carer credits she will only have to pay £400 .

p00hsticks

alfmurph said:

£5 a week is not much until you multiply it 20 years .

Your definition of 'not much' must be differnt to mine!

£5 a week (actually £5,29) is £275 a year. Even if she has other income meaning she'll pay 20% tax on it all that's still £220 a year, meaning she'll recoup her initial £800 investment in under 4 years, and will be quids in if she lives to be over 70 (whcih most people her age will)

poorchester

When I claimed Carers Credit I had until the end of the current tax year to claim credit for the previous tax year. So if you successfully claim Carers Credit for 21/22 you will continue to get credits for each subsequent year that you are entitled.

xylophone

My wife's birthday is april 29th when she is 66 in 2023 .

In which case she reaches SPA in the tax year 2023-4.

She could make voluntary contributions/check credit availability for 21/22 or 22/23.

This would give her a full NSP in 2023/4  -  if the Triple Lock is maintained, this would be around £204 a week.

alfmurph

She has claimed carer's credit back to april 5th 2020 . Will any credit be backdated to help .

xylophone

Is this relevant?

https://www.mobiliseonline.co.uk/carers-credit#:~:text=Yes, Carer's Credit can be,call on 0800 731 0297.