State Pension Qualification 16 January at 11:29PM in Pensions, annuities & retirement planning 32 replies 1.8K views

Pat38493

Just an update here - after a couple of weeks delay getting the required ID, we have now managed to get access to my wife's SP forecast.

It says her forecast is £185.15 per week but then it says the current forecast is £176.58 per week and she needs to contribute another 2 years by 5th April 2033 (which is better than I thought as I was kind of expecting her to be about 5 or 6 years short).

The NI history is completely full over 40 years so there is nothing in the past that can be purchased.

I guess then her options are
- Purchase this year and next year to get up to the full amount.
- Wait till she is 66 and purchase the 2 years (avoid risk of dying and getting no benefit, but, this means you have to remember to do it in almost 10 years from now).

Anything else I need to check?

p00hsticks

Pat38493 said:

I guess then her options are
- Purchase this year and next year to get up to the full amount.
- Wait till she is 66 and purchase the 2 years (avoid risk of dying and getting no benefit, but, this means you have to remember to do it in almost 10 years from now).

Anything else I need to check?

Other options are to see if there is a possibility of either earning them via some form of employment / self-employment or via credits via either benefits or providing childcare ....

If she does decide to pay for the next year, not that you can spread the cost for each current year by paying by monthly direct debits (the payments taken are actually for 4/4/5 weeks). You then need to remember to cancel the direct debit after the two years needed have been filled.