Additional NI contributions if you have full history but were contracted out

Eye2021

I'm in the same situation as Spivved

The whole system is a complete mess and fairly undecipherable

molerat

It is only undecipherable if you don't understand the fairly simple logic behind it, it ain't rocket science as they say.  Many of us here understand precisely how it works and can offer pointers of what, if anything, you need to do.

xylophone

I'm in the same situation as Spivved

The whole system is a complete mess and fairly undecipherable

You have obtained a state pension forecast?

For some guidance, could you supply the information requested here

https://forums.moneysavingexpert.com/discussion/comment/79914378/#Comment_79914378

Spivved1987

I do hope this won't turn into a conversation about 'gold-plated' public sector pensions.

p00hsticks

Spivved1987 said:

I do hope this won't turn into a conversation about 'gold-plated' public sector pensions.

Don't bring the subject up then! 

All we are asking is that if people want to post up the details from their State Pension forecast we can help with what years it is to their advantage to try to fill and, if necessary,  explain why they may need more than 35 years to reach the maximum possible. 

We're now three pages into this thread and as far as I can see, despite being asked several times, you've still not provided us with all the information from your state pension forecast that would enable people here to actually answer your opening question as to which years you should be looking to buy, 

Spivved1987

p00hsticks said:

Spivved1987 said:

I do hope this won't turn into a conversation about 'gold-plated' public sector pensions.

Don't bring the subject up then! 

I thought Xylophone brought up the subject:

No, public sector schemes only those years.

Then count yourself lucky.

hyubh

Spivved1987 said:

p00hsticks said:

Spivved1987 said:

I do hope this won't turn into a conversation about 'gold-plated' public sector pensions.

Don't bring the subject up then! 

I thought Xylophone brought up the subject:

No, public sector schemes only those years.

Then count yourself lucky.

Xylophone was specifically probing your GMP entitlement rather than anything more general. While it's a technical area, it is nevertheless true that public sector scheme members with a GMP and reaching SPA on or after 6/4/16 are in a privileged position. (Which is not to say many private sector scheme members with a GMP and reaching SPA after 2016 haven't benefited from the new state pension too - many have, but there are some significant additional variables to consider.)

xylophone

I thought Xylophone brought up the subject:

But not to bring up the gold plated pension.

You had said

am in receipt of an occupational DB pension, but I can't see any mention of this amount in anything I have routinely received from my pension provider. 

I was wondering whether or not you knew  anything of the GMP increase provision!

Spivved1987

xylophone said:

Could you give the information requested

 https://forums.moneysavingexpert.com/discussion/6431160/additional-ni-contributions-if-you-have-full-history-but-were-contracted-out/p1

• Maximum amount of forecast
• Current amount up to April 2022
• Years you have available going forward until you reach State Pension Age
• Number of full years prior to April 2016
• Number of full years after April 2016
• Years which are not filled and the cost of filling them
• Whether there is a COPE mentioned and if so what the amount is (this will show by clicking a link there is a statement along the lines of ' like many, you have been contracted out.....'.)

Maximum amount of forecast £185.15

Current amount £177.41

Years available to SP 2 years

Full years prior to April 2016 34

Full years after April 2016 to 5 April 2022  5

Years not filled and cost

2010-11 £523.05

2011-12 £126.80

2016-17 523.05

COPE Estimate £85.06 per week

For 2022-23 I will not have a full year, and would imagine it will cost whatever a full year costs

Spivved1987

xylophone said:

I thought Xylophone brought up the subject:

But not to bring up the gold plated pension.

You had said

am in receipt of an occupational DB pension, but I can't see any mention of this amount in anything I have routinely received from my pension provider. 

I was wondering whether or not you knew  anything of the GMP increase provision!

My apologies for the misunderstanding on my part.