Overpaid years

Readingagatha

My husband needed 35 years of contributions, however he paid 39 years. He is currently receiving his pension. Is there anyway of getting those overpaid years added to his pension, my contributions or getting a refund ?

Nebulous2

How do you know he needed 35? It's very unlikely it would be exactly that, as it can vary quite a bit. 

National Insurance isn't only for the pension either, in reality it is simply a tax on earned income. 

QrizB

Readingagatha said:

My husband needed 35 years of contributions, however he paid 39 years. He is currently receiving his pension.

How much pension is he receiving, weekly? Is it more or less than £203?

Is there anyway of getting those overpaid years added to his pension, my contributions or getting a refund ?

He might even want to pay more. You haven't yet given us enough information.

Ayr_Rage

As long as the contribution rate is appropriate to your employment it is impossible to overpay NI, you pay it until you stop working.

You do not get a refund for any extra years paid in excess of those required for a full state pension and neither are they transferable.

Readingagatha

Nebulous2 said:

How do you know he needed 35? It's very unlikely it would be exactly that, as it can vary quite a bit. 

National Insurance isn't only for the pension either, in reality it is simply a tax on earned income. 

I did my due diligence & phoned up

jaypers

No. National Insurance is a tax that you will always pay while working. State Pension is not sourced from a pot like a private pension……it is funded by everyone else paying their NI contributions. Entitlement is based on paid up years. 

sammyjammy

Readingagatha said:

Nebulous2 said:

How do you know he needed 35? It's very unlikely it would be exactly that, as it can vary quite a bit. 

National Insurance isn't only for the pension either, in reality it is simply a tax on earned income. 

I did my due diligence & phoned up

OK. As has already been said, there is no overpayment, you pay until you stop working whether that be 35, 39 or 44 years

Silvertabby

Readingagatha said:

Nebulous2 said:

How do you know he needed 35? It's very unlikely it would be exactly that, as it can vary quite a bit. 

National Insurance isn't only for the pension either, in reality it is simply a tax on earned income. 

I did my due diligence & phoned up

1.  If your husband reached SPA before 2010 he would have needed 44 years of NI contributions to qualify for the (old) basic State pension.

2.  If he reached SPA between April 2010 and  April 2016 he would have needed 30 years of NI contributions to qualify for the (old) basic State pension.

3.  If he reached SPA after April 2016 he would have needed anything between 28 years and 50 years to qualify for the full nSP.

This oft quoted 35 years only applies to those who started work after April 2016, with the rest of us being under transitional arrangements, each with our own individual calculations (See 3. above).

I'm afraid that whoever told you that he needed 35 years told you a load of porkies. 

bryanb

sammyjammy said:

Readingagatha said:

Nebulous2 said:

How do you know he needed 35? It's very unlikely it would be exactly that, as it can vary quite a bit. 

National Insurance isn't only for the pension either, in reality it is simply a tax on earned income. 

I did my due diligence & phoned up

OK. As has already been said, there is no overpayment, you pay until you stop working whether that be 35, 39 or 44 years

Actually you pay till your state pension age. You do not pay if you continue working

Flugelhorn

It is possible to overpay NI in any one year - I had 3 jobs and paid NI in them all - then got sent a form to claim some back - usually about 2K

Having said that you can't claim back a year just because you have reached the max for the state pension