45 years NI contributions required for full state pension?

Billportland

zagfles said:

Because she was in a contracted out occupational scheme which took over responsibility for paying part of the state pension and got NI rebates to do so.

Search the forum, the same question is asked every week.

The question asked is "why 45 years" when the maximum, according to this site, is 44.

molerat

Billportland said:

zagfles said:

Because she was in a contracted out occupational scheme which took over responsibility for paying part of the state pension and got NI rebates to do so.

Search the forum, the same question is asked every week.

The question asked is "why 45 years" when the maximum, according to this site, is 44.

That is just a stab in the dark guess based on anecdotal evidence, the most they have heard of. Others here have reported as high as 50.  Putting up that figure was wrong IMO as it has given a wrong impression, same as the press and their "35 years". There is no set number of years for a transitional rules retiree and the reason is "because it is complicated".

Dazed_and_C0nfused

Billportland said:

zagfles said:

Because she was in a contracted out occupational scheme which took over responsibility for paying part of the state pension and got NI rebates to do so.

Search the forum, the same question is asked every week.

The question asked is "why 45 years" when the maximum, according to this site, is 44.

This site isn't perfect and doesn't trump the facts/legislation.

As has been explained some people could need 50 years.  But are generally huge winners under the new system, they just don't tend to understand it though and think they have somehow lost out.

When in actual fact they have had the bonus of paying reduced NI for many years and then getting the chance to increase their State Pension to the new standard amount, either by paying NI from working which would have been payable whatever the situation.  Or making incredibly good value voluntary contributions.

Audaxer

Billportland said:

zagfles said:

Because she was in a contracted out occupational scheme which took over responsibility for paying part of the state pension and got NI rebates to do so.

Search the forum, the same question is asked every week.

The question asked is "why 45 years" when the maximum, according to this site, is 44.

But the maximum isn't 44 years. If that is stated somewhere that is wrong. I've already got 47 years full NI contributions and I am still not at the maximum forecast.

Billportland

marlot said:

If you look in the sticky thread at the top of the page, all your questions will be answered.

Except they're not. 

molerat

Where on this site is "44 years" quoted ?  The only reference I can find to years is this

To get the full new state pension (currently £185.15 a week), you'll likely need at least 35 qualifying NI years (though some will need many more)

The only reference I have seen to "44 years" is on ML's screen last week.

Dazed_and_C0nfused

Billportland said:

marlot said:

If you look in the sticky thread at the top of the page, all your questions will be answered.

Except they're not. 

What exactly is it you don't understand?

Billportland

I should've posted this pic in the OP, would've maybe kept the answers on subject. 
The confusing part is "to get full pension you'll need 30-44 years". Appears not to be true according to several posts. 

Dazed_and_C0nfused

Billportland said:

I should've posted this pic in the OP, would've maybe kept the answers on subject. 
The confusing part is "to get full pension you'll need 30-44 years". Appears not to be true according to several posts. 

No it's not, there are other factual inaccuracies with that graphic.  For example,

The standard new State Pension is £185.15/week not £185. 

From April 2023 it will be £203.85/week, not £204.

You could get to £185.15 with less than 30 years.

Audaxer

Billportland said:

I should've posted this pic in the OP, would've maybe kept the answers on subject. 
The confusing part is "to get full pension you'll need 30-44 years". Appears not to be true according to several posts. 

Yes, it's definitely a mistake as many people that have previously posted on this forum, need more than 44 years contributions to get to the maximum £185.15.

It is definitely worth her paying voluntary NI for the years needed to take your wife up to the maximum as it will be recouped within less than 4 years of her receiving her SP. Each additional post-2016 year bought will increase her SP by £5.29, so you should be able to work out from her 'Estimate of NI paid up to 5/4/22' how many years are needed to get her to £185.15. It could be that 3 years takes her near enough the maximum to make the 4th year not worth paying for. It is worth checking that.