Hardly any NI contributions

blackbirdxx

If he has been self employed in the construction industry do you know why he hasn't been paying Class 2 National Insurance??

Not sure why he has not been paying NI. I know he has a NI number and been paying some NI each year. He has never worked cash in hand but he was freelance. Not sure how the government ensure that all NI is paid? I do know he has been paying all tax.

eskbanker

blackbirdxx said:

If he has been self employed in the construction industry do you know why he hasn't been paying Class 2 National Insurance??

Not sure why he has not been paying NI. I know he has a NI number and been paying some NI each year. He has never worked cash in hand but he was freelance. Not sure how the government ensure that all NI is paid? I do know he has been paying all tax.

Has he been completing tax returns throughout that time?

Dazed_and_C0nfused

eskbanker said:

blackbirdxx said:

If he has been self employed in the construction industry do you know why he hasn't been paying Class 2 National Insurance??

Not sure why he has not been paying NI. I know he has a NI number and been paying some NI each year. He has never worked cash in hand but he was freelance. Not sure how the government ensure that all NI is paid? I do know he has been paying all tax.

Has he been completing tax returns throughout that time?

I'm wondering if he been completing them and paying the Class 4 NI that is always part of the Self Assessment calculation.  But hasn't registered as self employed for NI purposes and therefore has avoided, inadvertently or not, paying Class 2 NI?

And as only Class 2 NI counts for State Pension purposes they are left in the position they find themselves in?

Maybe paying as many years Class 2 as possible (including previous years) is worth exploring?

molerat

Without any other pension provision, and depending on savings amounts, throwing himself upon the largesse of the welfare state might be the better option.