Is it worth paying voluntary contributions for missing years for my 2 grown up children?

logies

Is it worth topping up the missing years when my 2 (now grown up) children were students?

I have always been very grateful to my own parents for doing this for me when I was a student many years ago. My children, one of whom was a student for 7 years, now have several missing years (when they were at university) and I’m wondering if it makes good sense to voluntarily fill these missing years? They’re aged 27 and 24 years old now.

I’d be grateful for your thoughts, thank you.

p00hsticks

No, if they intend working and paying NI contributions (or earning credits via benefits or earning at least Lower Earnings Limit) for the next 30 or so years they'll be fine. Just get them to keep an eye on their state pension forecast every so often, especially if they cease full time employment or move abroad at any point in their lives. . 

Silvertabby

Back in your student days you needed 39 years (women) 44 years (men) of NI contributions in order to qualify for the full State pension.

Your two are young enough to only need 35 years, regardless of gender, so should have enough time to make their own contributions.