N.I. Pension

fman Forumite Posts: 8
Part of the Furniture Combo Breaker
Can anyone explained  or can help me?
I have 39 years of NI pension and it’s fulled. still got to work for another 10 years. Even though I’ve done 39 years of contribution pension why Am I still paying for it, ended up paying for 49 years! 
My wife is self employed and struggled to top up the pension, why can’t I transfer the NI contribution to her? It that allowed? 


  • QrizB
    QrizB Forumite Posts: 11,531
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    National insurance is a tax, albeit a hypothecated one. It pays for more than pensions and you pay iton earned income until you reach State Pension Age.
    No, you cannot transfer payments to another person.
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  • molerat
    molerat Forumite Posts: 30,526
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    35 years is only applicable to those born this century, everyone else is on a transitional scheme needing generally between 28 to 48 years depending on personal circumstances, those that were in a contracted out pension needing longer.  You cannot transfer your contributions to your wife.  Why is she struggling to top up ?
    Post up your forecast details and someone will talk you through it.
    Current weekly £££.pp amount accrued up to April 2022 (or 2023 as some have been updated)
    Number of pre 2016 NI years full
    Number of post 2016 NI years full
    Tax year you reach state retirement
    Any COPE amount shown, in a click link in "You've been in a contracted-out pension scheme" if there is one.
    Years which show not full and prices

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