National insurance contributions

Wellbeing

My husband is considering paying some voluntary national insurance contributions to make up incomplete years in his national insurance contributions record. Is it possible for him to take some of my completed years to top up his record? 

Exodi

No, sorry.

calcotti

Wellbeing said:

My husband is considering paying some voluntary national insurance contributions to make up incomplete years in his national insurance contributions record. Is it possible for him to take some of my completed years to top up his record? 

Before paying anything he first needs to be certain that paying for those years will increase his State Pension entitlement. Years before 2016 may not help. Should also consider he many more years he needs to reach maximum pension and how many years he still has in which to contribute or get credits prior to reaching pension age.

xylophone

What exactly does his state pension forecast show?

https://www.gov.uk/check-state-pension

See  (produced for  2016/17) https://www.dpf.org.uk/explorer/files/TOPPING-UP-YOUR-STATE-PENSION-GUIDE.pdf

Last update (2019/20)

https://www.royallondon.com/siteassets/site-docs/media-centre/good-with-your-money-guides/gwymg-1b-topping-up-state-pension-2019-interactive.pdf

Wellbeing

He has just reached state pension age and is 8 years short of the 35 year contributions target.

TadleyBaggie

For anyone who paid NICs before 2016, there is no 35 year target. He may need more or less. What does (did) his forecast say?

xylophone

8 years short of the 35 year contributions target.

 He is in the  transitional arrangement for those who straddle the old and new systems - "35 years" may not be relevant to his circumstances - what  exactly does his forecast say?

Wellbeing

He has a total  of "27 complete years" and is receiving a payment of £157.46 per week which is payable from January 2023.

p00hsticks

Wellbeing said:

He has a total  of "27 complete years" and is receiving a payment of £157.46 per week which is payable from January 2023.

What years does he have available to buy ?

molerat

Wellbeing said:

He has a total  of "27 complete years" and is receiving a payment of £157.46 per week which is payable from January 2023.

That leaves him £27.69 short of the maximum so another 5 years will take him to £183.91. How are those 27 split pre and post 2016 ?

As above, what years are available to buy,  Any post 2016 years will be best likely to add value, pre 2016 depend on circumstances but at least 3 should be viable.

Wellbeing

There are 6 years post 2016 and quite a few pre 2016 available for him to buy. To be absolutely certain about the total value he can add to his forecast it is probably best to contact The Future Pension Centre on 0800 731 0175 before paying? Is this the best telephone number to use?