National Insurance Gaps
My wife has the following gaps in her national insurance contributions:
- 31 years of full contributions
- 8 years to contribute before 5 April 2030
- 12 years when you did not contribute enough
Estimate based on your National Insurance record up to 5 April 2022 £143.67 a week
Forecast if you contribute another 8 years before 5 April 2030 £185.15 a week
She has 31 pre 2016 years and zero post 2016 years
Her cope estimate is £23.10 per week
For years 2010 - 2011 to 2019 - 2020 the cost is £824.20
For 2020 - 2021 it is £795.60
For 2021 - 2022 it is £800.80
I have given up trying to get through to the Future Pensions Service so can anyone offer any guidance as to which years we should buy?
Once I understand which years are most beneficial I plan to pay them by cheque.
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That seems to be missing from your post.
Now living In Rep of Ireland.
Unlikely to return to UK for work due to my circumstances
I have 21 Full years NI
I can buy gap years 06/07, 07/08, 08/09, 09/10, 11/12, 12/13, 13/14, 14/15 and 15/16 ( I worked in Rep of Ireland then )
So 9 x 824.20 = 7417.80 to pay
I have currently £101.88 accrued pension for the years worked.
Each year gives me £5.29 per week extra so 9 years bought would get me £47.61extra per week
Add to £101.88 would give me £149.49 per week.
Could buy later years 19/20, 20/21, 21/22 as slightly cheaper but deadline for these not imminent so thought leave for now, maybe do in the future to get up to 35 max.
It makes sense to buy these 9 years?
Have I missed something?