NIC state pension credits - stay at home dad 9 March at 5:09PM in Pensions, annuities & retirement planning 3 replies 169 views

Faro567

Hi, I just wondered if anyone can help please. 

Can you transfer NIC credits on your state pension forecast after they’ve been applied  to your account and if so is it the future pension centre you call or somewhere else? 

When we had our daughter I (the mum) didn’t have anytime off work and my husband finished work to stay at home to look after her. I didn’t know about the NIC credits until I watched Martin Lewis this week, so I logged into my state pension forecast and could see from 2011 I have credits applied together with a large NIC contribution for several years - I don’t need the credits and will be due a full state pension without them. However, my husband is short a full state pension by several years because he didn’t work while she was at school and he hasn’t got enough working years left to make them up. 

molerat

Yes you can transfer the credits

https://www.gov.uk/government/publications/national-insurance-credits-for-parents-and-carers-cf411a

There may be some limits mentioned but those are usually flexible.

p00hsticks

And going forward, make sure the Child Benefit is in his name to get him future credits automatically (until your youngest child turns 12). Even if you are earning over the £60,000 that would mean you would pay all the money back, there is an option to just get the credits and not the money. 

Faro567

Thank you for the help and the link Molerat, I will get it completed straight away. 

p00hsticks - thank you but we stopped getting the child benefit last year when our daughter finished full time education.