Gov ni contributions wrong?

MikMikandThriceMik

Is it possible that the government website could have gotten the number of years I have contributed to my national insurance wrong?
I did not leave further education until 1988.
One year before 1988 I was working a year out from my studies and I would have paid national insurance from it.
Government website says I have 39 full years and I contributions with some years contracted out and three years and not a full year.
Thank you.

la531983

Is this going to cause you a shortfall by retirement age, are you still working?

molerat

Yes it is possible but not probable.  Why do you think it is wrong ?  Are you saying that 39 is too many due to being in education until 1988 ?  Have you counted the 3 freebies from when you were 16, 17 & 18 ?

MikMikandThriceMik

If no-one else says that Gov makes similar mistakes in the past then sweet, it's got to be correct then, right?
Thank you.

LHW99

Have you actually checked your SP prediction?

https://www.gov.uk/check-state-pension

Read it all, as the top bit is predicted on how many more years you could need to contribute.

Also, you could need more or less than the off publicised (incorrectly) "35 years" because only those starting work after 2016 actually need that. Also, as long as you are working / earning you still have to pay NI.

MikMikandThriceMik

LHW99 said:

Have you actually checked your SP prediction?

https://www.gov.uk/check-state-pension

Read it all, as the top bit is predicted on how many more years you could need to contribute.

Also, you could need more or less than the off publicised (incorrectly) "35 years" because only those starting work after 2016 actually need that. Also, as long as you are working / earning you still have to pay NI.

I am still working but thinking about early retirement at 59, due to this tinnitus is really starting to get to me.
Anyway, here is what the Gov site tells me.
Even though I contracted out many years ago, it says the contracted out will not affect how much I get as a state pension when I reach 67.

QrizB

As it says "you cannot improve your forecast any more", I think you already have enough NI years.

eskbanker

If you reach state pension age in 2032, this suggests that you were born in 1965, and therefore would have been starting to accumulate NI contributions from 1981 (they were credited automatically for 16-18 year olds back then), so it sounds entirely plausible that you'd have 39 full years and 3 partial ones since then.

However, as above, if you've already reached eligibility for the maximum amount, there's nothing to be concerned about.