pension 13 March at 9:45AM in Pensions, annuities & retirement planning 1 reply 219 views

mhinch

my wife has payed 35years national insurance but lost her job in 2012 then worked part.time when we checked up  it was only £146 .80 a week ..so can we pay from this May to make up some of the gaps before she 66.she 62 at the moment  and can we pay it monthly or has got to be yearly ..as she does not work now

molerat

Which financial year does she reach state retirement - her forecast will state if you contribute before April 202X.

She needs 8 more years to reach £185.15, 7 will take her to £183.83 at £5.29 each and the 8th will add another £1.32

You can pay for 2023-24 onwards by direct debit https://www.gov.uk/pay-voluntary-class-3-national-insurance/direct-debit

There will also be back gaps which can be filled - are there any cheap ones ? These will have to be paid with a lump sum.

How are her full years split pre and post 2016 ?

Is there any COPE on her forecast

The precise detail is very important to her options.

Does she look after grandchildren whist the parent works ?