Claiming my State Pension

Linton

Outeast1000 said:

xylophone said:

What exactly does your state pension forecast show?

How many qualifying years did you have at 6/4/16?

My SP forecast shows the full years of NI contributions and the years that are not full and the years that i did not pay any NI contributions 

I had 20 full years NI contributions on 6/4/16 and six or seven years since then 

Your SP forecaste (https://www.gov.uk/check-state-pension) should say a lot more than that,  In particular your accrued SP.

Outeast1000

eastcorkram said:

In general, Is the amount you're going to get, not indicated on the letter to claim? Or do they not reveal that until you've claimed??

Yes i know the amount that i am going to get because i cannot increase it any more as i will be SP age next Feb 

But to repeat my question will those six years when i did not pay any NI contributions affect my SP in any way when i do claim it ?

molerat

Outeast1000 said:

eastcorkram said:

In general, Is the amount you're going to get, not indicated on the letter to claim? Or do they not reveal that until you've claimed??

Yes i know the amount that i am going to get because i cannot increase it any more as i will be SP age next Feb 

But to repeat my question will those six years when i did not pay any NI contributions affect my SP in any way when i do claim it ?

The SP you will receive is what it states on your forecast.  If they are not full years then they do not count for your pension and that will be accounted for in your forecast.

Those years will not be "blank", there will be some sort of text there.

molerat

eastcorkram said:

In general, Is the amount you're going to get, not indicated on the letter to claim? Or do they not reveal that until you've claimed??

There is no indication of what you will get on the invitation.

The forecast is just that and not a statement of what you will get if you read the wording.

When you apply they calculate the amount.

Linton

Outeast1000 said:

eastcorkram said:

In general, Is the amount you're going to get, not indicated on the letter to claim? Or do they not reveal that until you've claimed??

Yes i know the amount that i am going to get because i cannot increase it any more as i will be SP age next Feb 

But to repeat my question will those six years when i did not pay any NI contributions affect my SP in any way when i do claim it ?

As I said in my previous post you can only go back 6 years when filling gaps in your NI record.  So certainly not back to the 1990's.  If your pension forecast is less than the full rate the 6 years may have made a difference depending on your exact circumstances but there is nothing you can do about it.

QrizB

Outeast1000 said:

eastcorkram said:

In general, Is the amount you're going to get, not indicated on the letter to claim? Or do they not reveal that until you've claimed??

Yes i know the amount that i am going to get because i cannot increase it any more as i will be SP age next Feb

So how much is it? In pounds and pence per week?

Outeast1000 said:

But to repeat my question will those six years when i did not pay any NI contributions affect my SP in any way when i do claim it ?

Is your SP forecast to be £203.85 or more? If it is, it's unlikely that those missing years mattered.

If it's less, it's quite likely that they did.

molerat

Linton said:

Outeast1000 said:

eastcorkram said:

In general, Is the amount you're going to get, not indicated on the letter to claim? Or do they not reveal that until you've claimed??

Yes i know the amount that i am going to get because i cannot increase it any more as i will be SP age next Feb 

But to repeat my question will those six years when i did not pay any NI contributions affect my SP in any way when i do claim it ?

As I said in my previous post you can only go back 6 years when filling gaps in your NI record.  So certainly not back to the 1990's.  If your pension forecast is less than the full rate the 6 years may have made a difference depending on your exact circumstances but there is nothing you can do about it.

??? You can currently go back 16 years to 2006-07

Linton

molerat said:

Linton said:

Outeast1000 said:

eastcorkram said:

In general, Is the amount you're going to get, not indicated on the letter to claim? Or do they not reveal that until you've claimed??

Yes i know the amount that i am going to get because i cannot increase it any more as i will be SP age next Feb 

But to repeat my question will those six years when i did not pay any NI contributions affect my SP in any way when i do claim it ?

As I said in my previous post you can only go back 6 years when filling gaps in your NI record.  So certainly not back to the 1990's.  If your pension forecast is less than the full rate the 6 years may have made a difference depending on your exact circumstances but there is nothing you can do about it.

??? You can currently go back 16 years to 2006-07

True, they delayed the 6 year date to 2025.  However it does not help the OP.

eastcorkram

molerat said:

eastcorkram said:

In general, Is the amount you're going to get, not indicated on the letter to claim? Or do they not reveal that until you've claimed??

There is no indication of what you will get on the invitation.

The forecast is just that and not a statement of what you will get if you read the wording.

When you apply they calculate the amount.

I just wondered, as the op has had the letter, and also seems to know what they'll get. So if it's not on there, they must be using the figure on the forecast then. Though they've not said how much that is (I think ) 

pinnks

Linton said:

molerat said:

Linton said:

Outeast1000 said:

eastcorkram said:

In general, Is the amount you're going to get, not indicated on the letter to claim? Or do they not reveal that until you've claimed??

Yes i know the amount that i am going to get because i cannot increase it any more as i will be SP age next Feb 

But to repeat my question will those six years when i did not pay any NI contributions affect my SP in any way when i do claim it ?

As I said in my previous post you can only go back 6 years when filling gaps in your NI record.  So certainly not back to the 1990's.  If your pension forecast is less than the full rate the 6 years may have made a difference depending on your exact circumstances but there is nothing you can do about it.

??? You can currently go back 16 years to 2006-07

True, they delayed the 6 year date to 2025.  However it does not help the OP.

It's actually 17 years now - 2006/07 to 2022/23, with 2023/24 being the current year