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Bit confused, can anyone tell me is it 30 years or 35 years you need
- 31 years of full contributions
- 12 years to contribute before 5 April 2034
- 8 years when you did not contribute enough
29 years of full contributions
9 years to contribute before 5 April 2031
13 years when you did not contribute enough
I have a notion that people our age need 30 years not 35. Is that right or did I dream it?
Also for the years it isn't full it says '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.' Er so could they have got it wrong?
It's so confusing. So do we have to pay more to get a full state pension or not? Very grateful for any advice.
Comments
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If you have a pre 2016 NI history you need as many as it takes which generally seems to be between 28 and 50 all depending on your personal circumstances. 35 years is only relevant to those starting out from 2016. 30 years was only relevant to those retiring between 2010 and 2016. Your personal forecasts will tell you exactly how many more years you need to contribute. If you want to post up the details people here will tell you exactly what you need to do.Current £££.pp amount accrued up to April 2022
Number of pre 2016 NI years full
Number of post 2016 NI years full
Tax year you reach state retirement
Any COPE amount shown
Years which show not full and prices
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You can get your State Pension on 25 May 2034
Your forecast is £185.15 a week, £805.07 a month, £9,660.86 a year
Your forecast
- is not a guarantee and is based on the current law
- does not include any increase due to inflation
You need to continue to contribute National Insurance to reach your forecast
Estimate based on your National Insurance record up to 5 April 2022
£163.99 a weekForecast if you contribute another 4 years before 5 April 2034
£185.15 a week£185.15 is the most you can get
You have contributions from
National Insurance credits: 29 weeks
These may have been added to your record if you were ill/disabled, unemployed, caring for someone full-time or on jury service.
Find out more about gaps in your record and how to check them.
You can make up the shortfall
Pay a voluntary contribution of £364.55 by 5 April 2026. This shortfall may increase after 19 April 2023.
Find out more about voluntary contributions.
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.
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.
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.
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.
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I was at tech in 1986 then went to college the following year for 3 years . My son was born in 87.
1988 to 1989Year is not fullYou have contributions from
National Insurance credits: 2 weeks
These may have been added to your record if you were ill/disabled, unemployed, caring for someone full-time or on jury service.
Find out more about gaps in your record and how to check them.
It’s too late to pay for this year. You can usually only pay for the last 6 years.
You did not make any contributions this year
Find out more about gaps in your record and how to check them.
It’s too late to pay for this year. You can usually only pay for the last 6 years.
You have contributions from
National Insurance credits: 14 weeks
These may have been added to your record if you were ill/disabled, unemployed, caring for someone full-time or on jury service.
Find out more about gaps in your record and how to check them.
It’s too late to pay for this year. You can usually only pay for the last 6 years.
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From 2016 my daughter who was 14 became very ill and stayed that way for 5 years. Without going into horrible upsetting details the consultants warned me she had to have full time care. I see my contributions for that period of time are not full too0
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Simply are you likely to make 4 more years of NI in the next 8/9? If you are your home and dry.1
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I am just thinking, my husband received the child benefit for our daughter (I put his name down because I had mine down for the boys) could that have effected it?0
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You need to continue to contribute National Insurance to reach your forecast
Estimate based on your National Insurance record up to 5 April 2022
£163.99 a weekForecast if you contribute another 4 years before 5 April 2034
£185.15 a weekSo you need another 4 years to reach the maximum with 12 years to achieve that.
What were you doing 15-16 to 18-19, that "checking" comment usually indicates self employment and not paying class 2. If so that could be a cheap way of filling those 4 years at £163.80 each.
1 -
I was in self employment but had to limit work severely because my daughter was so unwell. It was the worst time of our lives. I was scared to even sleep. awful.
Also do you think I could get credit NIC for when my oldest was just a baby. I am missing them for 3 years then.0 -
Who was receiving child benefit for your eldest for those years ? If your OH you may be able to get them transferred https://www.gov.uk/government/publications/national-insurance-credits-for-parents-and-carers-cf411a If you then contact HMRC to investigateCarers credit may be a possibility if your daughter was severely ill https://www.gov.uk/government/publications/carers-credit-application-formDo you have any grandchildren you look after whilst the parent works ?
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