*HELP* - NI Credits with No Child Benefit

*HELP*
I have been a stay-at-home mum since my 1st child was born in 2012, have since had 2 more children.
My husband was and still is High Income, and at the time (2012), I thought that the Child Benefit did not apply to us, so did not claim.
I later learnt with my 3rd child that to obtain NIs credits, I would need to claim for Child Benefit and opt to not receive it.
I now have 5 years missing on my NI record, and was wondering if there was any chance I could claim credits for those years.

Please note, I have already applied to claim for the NI credits using the form CF411A.,....and have received a reply detailing that I am not entitled as I was not receiving Child Benefit for those 5 years.

Is there anything I can do?

Comments

  • Alice_Holt
    Alice_Holt Posts: 5,862
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    Make voluntary NI contributions ?

    https://www.gov.uk/voluntary-national-insurance-contributions


    Do you intend to work when your youngest turns 12, and accrue NI contributions towards your SP?
    Have you requested a  SP statement?
    Alice Holt Forest situated some 4 miles south of Farnham forms the most northerly gateway to the South Downs National Park.
  • Make voluntary NI contributions ?

    https://www.gov.uk/voluntary-national-insurance-contributions


    Do you intend to work when your youngest turns 12, and accrue NI contributions towards your SP?
    Have you requested a  SP statement?
    Hi Alice, 
    Thank-You for your response.
    I have a statement and have been informed that I can make a voluntary contribution.
    But at this moment I'm wondering if there is any way that I could obtain the credits instead.

  • sheramber
    sheramber Posts: 18,649
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    MariaCo said:
    *HELP*
    I have been a stay-at-home mum since my 1st child was born in 2012, have since had 2 more children.
    My husband was and still is High Income, and at the time (2012), I thought that the Child Benefit did not apply to us, so did not claim.
    I later learnt with my 3rd child that to obtain NIs credits, I would need to claim for Child Benefit and opt to not receive it.
    I now have 5 years missing on my NI record, and was wondering if there was any chance I could claim credits for those years.

    Please note, I have already applied to claim for the NI credits using the form CF411A.,....and have received a reply detailing that I am not entitled as I was not receiving Child Benefit for those 5 years.

    Is there anything I can do?
    https://www.pensionsage.com/pa/Industry-welcomes-measures-to-allow-retrospective-child-benefit-claims-for-state-pension-credit.php?utm_source=jsrecent

    By Sophie Smith
     28/4/23

    The government has announced plans to address the fact that some parents who have not claimed child benefit could miss out on building their state pension as part of its 2023 Tax Administration and Maintenance Day.

    Whilst the current rules mean that those who have missed out on child benefits can only backdate a claim for three months, the new proposals would allow those affected in future to claim National Insurance credit retrospectively.

    The government clarified that parents do not need to take any action immediately, confirming that it intends to legislate to allow eligible individuals to retrospectively claim National Insurance credit, with the next steps to be taken to be published "in due course".


    I suggest you contact your MP and ask for an update

  • sheramber said:
    MariaCo said:
    *HELP*
    I have been a stay-at-home mum since my 1st child was born in 2012, have since had 2 more children.
    My husband was and still is High Income, and at the time (2012), I thought that the Child Benefit did not apply to us, so did not claim.
    I later learnt with my 3rd child that to obtain NIs credits, I would need to claim for Child Benefit and opt to not receive it.
    I now have 5 years missing on my NI record, and was wondering if there was any chance I could claim credits for those years.

    Please note, I have already applied to claim for the NI credits using the form CF411A.,....and have received a reply detailing that I am not entitled as I was not receiving Child Benefit for those 5 years.

    Is there anything I can do?
    https://www.pensionsage.com/pa/Industry-welcomes-measures-to-allow-retrospective-child-benefit-claims-for-state-pension-credit.php?utm_source=jsrecent

    By Sophie Smith
     28/4/23

    The government has announced plans to address the fact that some parents who have not claimed child benefit could miss out on building their state pension as part of its 2023 Tax Administration and Maintenance Day.

    Whilst the current rules mean that those who have missed out on child benefits can only backdate a claim for three months, the new proposals would allow those affected in future to claim National Insurance credit retrospectively.

    The government clarified that parents do not need to take any action immediately, confirming that it intends to legislate to allow eligible individuals to retrospectively claim National Insurance credit, with the next steps to be taken to be published "in due course".


    I suggest you contact your MP and ask for an update

    Thats brilliant, thank-you so much!  I will look into this.
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