Daughter has gaps in National insurance payments

pete1975

hi my daughter is at uni, just about to graduate and has been working part time at screwfix,  she has has a message from HMRC which states she has gap in national insurance payments and has until 2025 to top up.  I assumed when you work that the company sorts this all out for her.

Should the company take the NS payments from her if she is part time or student she was only earning about 11k a year 




dont really know what to advise her,  she wont have that money to pay for those gaps

HappyHarry

There is no need to fill the gaps. Her employer will have deducted NI correctly and she does not owe HMRC anything.

This message just means that for state pension and other income-related benefits purposes, she won't be able to claim a year of NI contributions. To get a full state pension she will require 35 years of contributions before she is 67 (possibly 68), and so worrying about gaps in these early years is quite unnecessary. 

pete1975

HappyHarry said:

There is no need to fill the gaps. Her employer will have deducted NI correctly and she does not owe HMRC anything.

This message just means that for state pension and other income-related benefits purposes, she won't be able to claim a year of NI contributions. To get a full state pension she will require 35 years of contributions before she is 67 (possibly 68), and so worrying about gaps in these early years is quite unnecessary. 

ah thankyou so much for explaining it.   Worry over,  i googled and still couldn't find the answer