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No state pension contributions

Frith
Posts: 8,713 Forumite



What happens if you don't pay any national insurance or make any state pension contributions?
Of course, you wouldn't have a pension but would there be any other repercussions?
(I'm asking for someone else)
Of course, you wouldn't have a pension but would there be any other repercussions?
(I'm asking for someone else)
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Comments
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Frith said:What happens if you don't pay any national insurance or make any state pension contributions?
Of course, you wouldn't have a pension but would there be any other repercussions?
(I'm asking for someone else)
You wouldn't be entitled to a state pension or any other benefit where payment of NI contributions is a requirement. See https://www.litrg.org.uk/tax-nic/national-insurance for more information on which benefits are 'contributory'.Googling on your question might have been both quicker and easier, if you're only after simple facts rather than opinions!1 -
And just to be crystal clear - someone who has not worked, but is in receipt of benefits can still accrue national insurance credits and be entitled to a state pension (just to prevent the assumption some people have that not working automatically means no state pension).
If it was the case, they could consider buying additional years, which typically represents incredible value for money.Know what you don't2 -
Frith said:What happens if you don't pay any national insurance or make any state pension contributions?
Of course, you wouldn't have a pension but would there be any other repercussions?
(I'm asking for someone else)1 -
eskbanker said:Frith said:What happens if you don't pay any national insurance or make any state pension contributions?
Of course, you wouldn't have a pension but would there be any other repercussions?
(I'm asking for someone else)
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If, for instance, someone has never worked and never claimed benefits but has lived in the UK (& had the right to do so) they might be eligible for pension credits but little else. This is the situation some women find themselves in if their husband dies and there's no or very little money and no pension payable to the widow.I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe and Old Style Money Saving boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
"Never retract, never explain, never apologise; get things done and let them howl.” Nellie McClung
⭐️🏅😇1 -
What would anyone recommend with regards to buying past years of pension? Class 2 or 3?
This person hasn't had a job for about 15 years.0 -
Frith said:What would anyone recommend with regards to buying past years of pension? Class 2 or 3?
This person hasn't had a job for about 15 years.
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Frith said:What would anyone recommend with regards to buying past years of pension? Class 2 or 3?
This person hasn't had a job for about 15 years.The cheaper class 2 is only available to the self employed.Have they actually checked their SP forecast and NI record ?Without that anyone would be guessing as to the best way forward.Do they have savings or other pensions ?Paying voluntary contributions could be a bad move in some circumstances as a person could be better off relying on the largesse of the benefits system.
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I am also looking into this - if it is possible to claim a state pension if you havent paid NI through employment?
Context: This person has an NI number, has claimed other benefits in their name eg child benefit for a few years, hasn't worked in the UK so has not made any NI contributions. Would they be entitled to some kind of pension?0 -
sammy95 said:I am also looking into this - if it is possible to claim a state pension if you havent paid NI through employment?
Context: This person has an NI number, has claimed other benefits in their name eg child benefit for a few years, hasn't worked in the UK so has not made any NI contributions. Would they be entitled to some kind of pension?Child benefit and some other benefits give NI credits towards the state pension. The only way to find out is to check, the best way is through the on line tax account.
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