Class 2 voluntary NI Contributions

itsme83

My wife is short of 7 years NI contributions to get the full new State Pension and we are going to plug the gaps by buying years. During the years that she has no NI contributions, she was self employed as a Childminder on low income/low profit and hence exempt from paying National Insurance. In hindsight we should have paid voluntary Class 2 NI contributions during this time to contribute to her State Pension, but failed to do so.
Can she plug the gaps in her NI contributions by buying Class 2  voluntary contributions (at £3.15/week) instead of Class 3 voluntary contributions (at £15.85/week)?
That would be £163 for a year as opposed to £824.

Dazed_and_C0nfused

Answer on your other post

MallyGirl

Was she registered as self employed?

itsme83

Yes, she was registered as self employed and completed annual tax returns.

MallyGirl

in which case she should be able to pay class 2. 
I have asked for your other thread ( https://forums.moneysavingexpert.com/discussion/6452960/voluntary-ni-contributions ) to be moved here from the Energy board.

itsme83

OK, thank you

Scot-tyke

I paid 4 years voluntary contributions to receive a full pension on retiring (2009).  Checking my record now shows I did not receive any HRP credits for 1978 to 1984 when I started work after my son's birth.
My question is... Will I be entitled to those voluntary contributions to be repaid. (If the HRP had been credited I wouldn't have had any shortfall)

molerat

Scot-tyke said:

I paid 4 years voluntary contributions to receive a full pension on retiring (2009).  Checking my record now shows I did not receive any HRP credits for 1978 to 1984 when I started work after my son's birth.
My question is... Will I be entitled to those voluntary contributions to be repaid. (If the HRP had been credited I wouldn't have had any shortfall)

Why did you not receive the credits ?  Were you paying the lower married women's stamp ?  Were you self employed  - I ask as you have posted in a class 2 contribution thread.

What will happen about refunds is anyone's guess.