Correct NI Gap Filling Help....

12 Posts

Hi all,
Nightmare at the moment with contacting Future Pension Centre as we all know.....
Therefore was hoping for some confidence in how I should proceed to get (hopefully) max pension....
I retire in September of this year at 66 (female)
- Headline amount of pension forecast ?
- How many years available to pay going forward
Forecast if you contribute until 5 April 2023 £153.41
The most you can increase your forecast to is £179.86
- Number of full NI years prior to 2016
- Number of full NI years post 2016
- What past years are available to pay and for how much
I believe all years are £824.20 except 2013-2014 @ £792.50 (2 weeks NIC), 2014-2015 @ £792.50 (2 weeks NIC)
- Whether there is a COPE amount mentioned and if so what it is (it should show a link to it if there is something along the lines of 'like many others at some point you were contracted out of the additional state pension')
Firstly, I do not understand why it states it is not possible to get to maximum pension and be one year short?
As previously self employed, I can only assume it is because it is stating on (2011-2012 and prior, for months now) "We are checking this year to see if it counts towards your pension. We’ll update your record when this is finished, you do not need to do anything."
Including the two cheaper years, my plan was to purchase 6 years, being 2009-2010, 2010-2011, 2011-2012, 2012-2013, 2013-2014, 2014-2015, which including the 2021-2022 from Specified Adult Childcare Credits if accepted would make the 35 years....
This would leave me a couple of more recent years still available to purchase if need be once the benefit of going back further finishes in April.....
No contributions have been made for the 2022-2023 period
Yesterday, I got the 18 digit code already for the intended purchase of the 6 years....
Any thoughts would be greatly appreciated!
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Replies
I wonder why they did not quote me the class 2 amounts on the years that were indeed the self employed years as part of the 6 I had arranged on the 18 digit reference....
Would it be a different process to get the backdated class 2 over class 3, or still same phone call do you know?
Maybe worth getting 7 years or possibly even 8 years at the class 2 rate, curious to know what you would do?....
Many thanks again
After further complaining, I received another response saying that I can only pay back 6 years class 2 (was not self employed then)....again class 2 paid back more than 6 years do not count for state pension and benefits. They stated that I had not registered as self employed with the national insurance office and therefore never billed, small income exemption would have needed a small earning exemption certificate.....This was September 2022 (so not too long ago)....
This led me not to pursue any longer as would not count for any future pension....
Incorrect - reg 61b ( well maybe back to 1989 but back to 2006-07 is not barred)
Incorrect - reg 61b
I will post back tomorrow with update....