Confusion over qualifying years

chrismriley

Hi

I have logged in via government gateway. It says I will get the full amount of £203 p/w if I contribute 4 more years, but then when I check my NI record it says I have 29 years of full contributions. My question is should I not need to contribute 6 more years as it also says I need 35 full years of contribution, hence why I am confused.

Does anyone know why this discrepancy is occurring please?

thankyou for any help 

Dazed_and_C0nfused

Where have you read that you, as someone with a pre 2016 NI record, needs 35 years to reach the standard new State Pension?

chrismriley

Dazed_and_C0nfused said:

Where have yo used that you, as someone with a pre 2016 NI record, needs 35 years to reach the standard new State Pension?

It says on gov.uk, 35 full years are needed. So I only need to contribute 33 years? if i have a pre-2016 NI record?

p00hsticks

chrismriley said:

Dazed_and_C0nfused said:

Where have yo used that you, as someone with a pre 2016 NI record, needs 35 years to reach the standard new State Pension?

It says on gov.uk, 35 full years are needed. So I only need to contribute 33 years? if i have a pre-2016 NI record?

If you look at gov.uk again, you'll see that the statement about needing 35 years comes under the section with a big headline saying that it applies if 

You did not make National Insurance contributions or get National Insurance credits before 6 April 2016

The new State Pension: How it's calculated - GOV.UK (www.gov.uk)

molerat

It says on gov.uk, 35 full years are needed.

No it doesn't.

It only states that under the heading

You did not make National Insurance contributions or get National Insurance credits before 6 April 2016

https://www.gov.uk/new-state-pension/how-its-calculated

You need to read

Valuing your National Insurance contributions and credits made before 6 April 2016

The number of years needed is purely down to personal circumstances and various posts on here range between 29 and 49.

Dazed_and_C0nfused

chrismriley said:

Dazed_and_C0nfused said:

Where have yo used that you, as someone with a pre 2016 NI record, needs 35 years to reach the standard new State Pension?

It says on gov.uk, 35 full years are needed. So I only need to contribute 33 years? if i have a pre-2016 NI record?

It doesnt.  As others have explained you have misunderstood gov.uk.

Have you any reason to doubt your original post?  

I have logged in via government gateway. It says I will get the full amount of £203 p/w if I contribute 4 more years

Audaxer

chrismriley said:

Hi

I have logged in via government gateway. It says I will get the full amount of £203 p/w if I contribute 4 more years, but then when I check my NI record it says I have 29 years of full contributions. My question is should I not need to contribute 6 more years as it also says I need 35 full years of contribution, hence why I am confused.

Does anyone know why this discrepancy is occurring please?

thankyou for any help 

You are in a very good position of needing only 33 years NI to get the maximum State Pension. The 35 years only applies to those who started paying NI from 2016. Many of us who were contracted out need well over 40 years to get to the maximum.

triciacrumble

Hi all, I've got 41 years of contributions but because I straddle the 2 systems, and looked after my grandson from 2011, I've been told I'll need to pay to cover the year's I didn't pay NI. Thanks to MSE's info, my daughter and I applied at the start of March, for me to be covered under the childcare rules but I've heard nothing yet. Time's running out(July I think?)for me to top up so that I'll get a full pension, if they don't allow my claim for my NI stamps under the providing childcare rules. I can't be alone in this situation - there must be hundreds of similar cases but is there any advice anyone can give please? Many thanks.

molerat

If you have claimed the necessary amount of years then there should not be a problem as long as the donor was paying / being credited with class 1 NI there is little chance of the claim being rejected.  Anything submitted on paper is taking a very long time to process, normal service would be around 8 to 12 weeks.  As long as the paperwork is in - hopefully you got proof of postage - any amount due from that claim should be backdated to your SP starting date if processing goes beyond then.

p00hsticks

triciacrumble said:

Hi all, I've got 41 years of contributions but because I straddle the 2 systems, and looked after my grandson from 2011, I've been told I'll need to pay to cover the year's I didn't pay NI. Thanks to MSE's info, my daughter and I applied at the start of March, for me to be covered under the childcare rules but I've heard nothing yet. Time's running out(July I think?)for me to top up so that I'll get a full pension, if they don't allow my claim for my NI stamps under the providing childcare rules. I can't be alone in this situation - there must be hundreds of similar cases but is there any advice anyone can give please? Many thanks.

You don't say when you reach state pension age - is it soon ?
The July deadline is only for making voluntary contributions for the years 2006-7 to 2016-17, and with 41 full years already, which I'd take an educated guess will all be from before 2016, none of those apart from potentially the last would have any effect on your state pension forecast.
 How short of the maximum is your forecast currently ?