Just received 1st state pension

judithann60

molerat said:

judithann60 said:

Yes I agree, but still think that it shouldn't say "full  years" when it's not. No gaps, but half a year when he retired from working which would have been year 49.

They are full years though for basic pension purposes.  I find it hard to believe he is £15 short with maybe 7 post 2016 years.  Do you have access to his on line tax account ?  When did he stop working ?

30th November 2020.

molerat

judithann60 said:

molerat said:

judithann60 said:

Yes I agree, but still think that it shouldn't say "full  years" when it's not. No gaps, but half a year when he retired from working which would have been year 49.

They are full years though for basic pension purposes.  I find it hard to believe he is £15 short with maybe 7 post 2016 years.  Do you have access to his on line tax account ?  When did he stop working ?

30th November 2020.

So he must have gaps in his record which can be filled.  Does he have access to his on line tax account ?

judithann60

Don't misundertand me, I totally understand these comments and agree with them, but it is misleading when it's quoted as "full years" which to me reads as paid in full. Many thanks for comments. 

judithann60

molerat said:

judithann60 said:

molerat said:

judithann60 said:

Yes I agree, but still think that it shouldn't say "full  years" when it's not. No gaps, but half a year when he retired from working which would have been year 49.

They are full years though for basic pension purposes.  I find it hard to believe he is £15 short with maybe 7 post 2016 years.  Do you have access to his on line tax account ?  When did he stop working ?

30th November 2020.

So he must have gaps in his record which can be filled.  Does he have access to his on line tax account ?

2021/2022 not full, 2022/2023 nothing was paid but no amount  due yet on GOV.UK. Not sure how to go about looking at on line tax account

molerat

judithann60 said:

molerat said:

judithann60 said:

molerat said:

judithann60 said:

Yes I agree, but still think that it shouldn't say "full  years" when it's not. No gaps, but half a year when he retired from working which would have been year 49.

They are full years though for basic pension purposes.  I find it hard to believe he is £15 short with maybe 7 post 2016 years.  Do you have access to his on line tax account ?  When did he stop working ?

30th November 2020.

So he must have gaps in his record which can be filled.  Does he have access to his on line tax account ?

2021/2022 not full, 2022/2023 nothing was paid but no amount  due yet on GOV.UK. Not sure how to go about looking at on line tax account

That is his on line tax account   22-23 will be £824.20 and 21-22 is £800.80 so a total of £1625 to get an additional pension of £11.64 per week / £605.28 per year, taking him to £200.34, which will repay gross in 140 weeks.  If you can come up with that money it will be well worth doing.

pinnks

I think you are mixing up the meaning of the NI record, which shows whether a particular year counts as full for benefit purposes, and the way those years feed into a person's state pension forecast/award.

A year is "full" for NI purposes when you have either paid a certain amount of NI (mandatorily if you are working and earning above a certain limit, or voluntarily if you are not earning), of have received NI credits for one of a number of reasons (for instance because you are on a low income and not paying NI, or claiming Child Benefit and a host of other circumstances set out on GOV UK).

The state pension rules use the number of full years on your NI record to calculate any entitlement to a state pension.  For instance, if you had only 9 full years on your NI record you would not be eligible for a new state pension.  Also, for those born this millennium, once they reach 35 years it matters not how many more years they are working and paying into the system after that as only 35 full years will count for them.  For all of us born in the previous millennium, the number of years required to receive a full new state pension depends on our working lives and contribution history and you can need as few as 28 or as many as 50 full years for that.