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National Insurance topping up missing years
Comments
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You have contributions from
Paid employment: £315.01
Find out more about gaps in your record and how to check them.
You can make up the shortfall
Pay a voluntary contribution of £79.25 by 5 April 2023. This shortfall may increase after 5 April 2023.
This is for my other half -is this one of these no brainer years?
Thanks
M99
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MACKEM99 said:
You have contributions from
Paid employment: £315.01
Find out more about gaps in your record and how to check them.
You can make up the shortfall
Pay a voluntary contribution of £79.25 by 5 April 2023. This shortfall may increase after 5 April 2023.
This is for my other half -is this one of these no brainer years?
Thanks
M99
If it is 2016-17 then it will make a difference (providing they need the extra year)If 2015-16 or earlier then that is dependent on the rest of the forecast
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Not what the nice man (from Newcastle area?) told me when we got the ref number a couple of weeks back. Unless reading from a script, he said 6 weeks and to call back if they hadn't been applied by then.pinnks said:It will take at least 8 weeks under normal circumstances and at the moment HMRC have said it is nearer 20 weeks.
Guilty as charged for procrastinating though.0 -
It is for 2012-2013 she left work around Jul 12. She needs 4 years to get max.molerat said:MACKEM99 said:You have contributions from
Paid employment: £315.01
Find out more about gaps in your record and how to check them.
You can make up the shortfall
Pay a voluntary contribution of £79.25 by 5 April 2023. This shortfall may increase after 5 April 2023.
This is for my other half -is this one of these no brainer years?
Thanks
M99
If it is 2016-17 then it will make a difference (providing they need the extra year)If 2015-16 or earlier then that is dependent on the rest of the forecast0 -
Then you need to give more details from her forecast.MACKEM99 said:
It is for 2012-2013 she left work around Jul 12. She needs 4 years to get max.molerat said:MACKEM99 said:You have contributions from
Paid employment: £315.01
Find out more about gaps in your record and how to check them.
You can make up the shortfall
Pay a voluntary contribution of £79.25 by 5 April 2023. This shortfall may increase after 5 April 2023.
This is for my other half -is this one of these no brainer years?
Thanks
M99
If it is 2016-17 then it will make a difference (providing they need the extra year)If 2015-16 or earlier then that is dependent on the rest of the forecast
What is her forecast amount now ?
How many more years does she have going forward to get that 4 years she needs ?
How many full years does she have prior to 2016 ?
How many full years after ?
Does her forecast mention a COPE amount, and if so, how much is it ?
As molerat has said, filling pre-2016 years may or may not boost your forecast, the devil's is in the detail.
The price of buying a 2012-13 year won't go up after April, it won't be available to buy at all
A price of just £79.25 to fill the year is very good value, but only if it will actually boost her forecast.1 -
Seems to vary with the day of the week. I was told 8 weeks by an equally nice officer. Then on HMRC's customer forum people were moaning and then told it was currently as I quoted. Who knows. It is, what it is...Rodders53 said:
Not what the nice man (from Newcastle area?) told me when we got the ref number a couple of weeks back. Unless reading from a script, he said 6 weeks and to call back if they hadn't been applied by then.pinnks said:It will take at least 8 weeks under normal circumstances and at the moment HMRC have said it is nearer 20 weeks.
Guilty as charged for procrastinating though.0 -
Did you tell the nice man that you were already drawing your pension? Adding extra contributions to a future pension is a 5 minute job. Adding the extra contributions to a pension already in payment, however, involves completely unpicking the whole calculation and starting again...Rodders53 said:
Not what the nice man (from Newcastle area?) told me when we got the ref number a couple of weeks back. Unless reading from a script, he said 6 weeks and to call back if they hadn't been applied by then.pinnks said:It will take at least 8 weeks under normal circumstances and at the moment HMRC have said it is nearer 20 weeks.
Guilty as charged for procrastinating though.
I don't know how DWP do it, but back in my days as a LGPS administrator a full re-calc would take at least a couple of hours (including the checking). At times when we were really busy , as DWP are now, our priorities would be paying initial pension claims rather than reviewing pensions already in payment.
Sorry if that sounds a bit harsh, but that's just the way things are at the moment, I'm afraid. At least your increase will (should!) be applied from the date you made the payment.1 -
Thanks will put the details here when I figure out how to do it. Been thinking about it for a while for her and me. Martin's recent tv special has pushed us on a bit.😄p00hsticks said:
Then you need to give more details from her forecast.MACKEM99 said:
It is for 2012-2013 she left work around Jul 12. She needs 4 years to get max.molerat said:MACKEM99 said:You have contributions from
Paid employment: £315.01
Find out more about gaps in your record and how to check them.
You can make up the shortfall
Pay a voluntary contribution of £79.25 by 5 April 2023. This shortfall may increase after 5 April 2023.
This is for my other half -is this one of these no brainer years?
Thanks
M99
If it is 2016-17 then it will make a difference (providing they need the extra year)If 2015-16 or earlier then that is dependent on the rest of the forecast
What is her forecast amount now ?
How many more years does she have going forward to get that 4 years she needs ?
How many full years does she have prior to 2016 ?
How many full years after ?
Does her forecast mention a COPE amount, and if so, how much is it ?
As molerat has said, filling pre-2016 years may or may not boost your forecast, the devil's is in the detail.
The price of buying a 2012-13 year won't go up after April, it won't be available to buy at all
A price of just £79.25 to fill the year is very good value, but only if it will actually boost her forecast.0 -
You can get your State Pension on .. August 2024
Your forecast is £174.87 a week, £760.37 a month, £9,124.47 a year
Your forecast
- is not a guarantee and is based on the current law
- does not include any increase due to inflation
You need to continue to contribute National Insurance to reach your forecast
Estimate based on your National Insurance record up to 5 April 2022
£164.29 a weekForecast if you contribute until 5 April 2024
£174.87 a weekYou can improve your forecast
You have shortfalls in your National Insurance record that you can fill and make count towards your State Pension.
The most you can increase your forecast to is
£185.15 a weekView gaps in your record and the costs of filling them.
Your forecast may be different if there are any changes to your National Insurance information. There is more about this in the terms and conditions.
You’ve been in a contracted-out pension scheme
Like most people, you were contracted out of part of the State Pension.
Putting off claiming
You can put off claiming your State Pension from 23 August 2024. Doing this may mean you get extra State Pension when you do come to claim it. The extra amount, along with your State Pension, forms part of your taxable income.Your National Insurance record
You have:
- 35 years of full contributions
- 2 years to contribute before 5 April 2024
- 13 years when you did not contribute enough
2022 to 2023Your record for this year is not available yetUp to 1975Our records show you have 1 full years up to 5 April 1975Your National Insurance record
You have:
- 35 years of full contributions
- 2 years to contribute before 5 April 2024
- 13 years when you did not contribute enough
2022 to 2023Your record for this year is not available yetYou did not make any contributions this year
Find out more about gaps in your record and how to check them.
You can make up the shortfall
Pay a voluntary contribution of £800.80 by 5 April 2028. This shortfall may increase after 5 April 2024.
Find out more about voluntary contributions.
You did not make any contributions this year
Find out more about gaps in your record and how to check them.
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.
Find out more about voluntary contributions.
You did not make any contributions this year
Find out more about gaps in your record and how to check them.
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.
Find out more about voluntary contributions.
You did not make any contributions this year
Find out more about gaps in your record and how to check them.
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.
Find out more about voluntary contributions.
You did not make any contributions this year
Find out more about gaps in your record and how to check them.
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.
Find out more about voluntary contributions.
You did not make any contributions this year
Find out more about gaps in your record and how to check them.
You can make up the shortfall
Pay a voluntary contribution of £824.20 by 5 April 2023. This shortfall may increase after 5 April 2023.
Find out more about voluntary contributions.
You did not make any contributions this year
Find out more about gaps in your record and how to check them.
You can make up the shortfall
Pay a voluntary contribution of £824.20 by 5 April 2023. This shortfall may increase after 5 April 2023.
Find out more about voluntary contributions.
You did not make any contributions this year
Find out more about gaps in your record and how to check them.
You can make up the shortfall
Pay a voluntary contribution of £824.20 by 5 April 2023. This shortfall may increase after 5 April 2023.
Find out more about voluntary contributions.
You did not make any contributions this year
Find out more about gaps in your record and how to check them.
You can make up the shortfall
Pay a voluntary contribution of £824.20 by 5 April 2023. This shortfall may increase after 5 April 2023.
Find out more about voluntary contributions.
You have contributions from
Paid employment: £315.01
Find out more about gaps in your record and how to check them.
You can make up the shortfall
Pay a voluntary contribution of £79.25 by 5 April 2023. This shortfall may increase after 5 April 2023.
Find out more about voluntary contributions.
You have contributions from
Paid employment: £41.38
Find out more about gaps in your record and how to check them.
It’s too late to pay for this year. You can usually only pay for the last 6 years.
You did not make any contributions this year
Find out more about gaps in your record and how to check them.
It’s too late to pay for this year. You can usually only pay for the last 6 years.
You have contributions from
National Insurance credits: 35 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 about gaps in your record and how to check them.
It’s too late to pay for this year. You can usually only pay for the last 6 years.
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2012-2013 is only £79 so worth buying I think as you only have until April to do so. It will get you an extra £4.74 a week.0
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