Missing N.I contributions

trigger39

Hi, bit of a novice question. I have gaps in my N.I contributions, whereas my wife has paid the full 35 years and is still paying 6 years on. Did I read somewhere I can transfer her overpayment to my account?

Thanks in advance 
Stuart

Dazed_and_C0nfused

trigger39 said:

Hi, bit of a novice question. I have gaps in my N.I contributions, whereas my wife has paid the full 35 years and is still paying 6 years on. Did I read somewhere I can transfer her overpayment to my account?

Thanks in advance 
Stuart

Why do you think your wife having 35 years is of any relevance, even to her own State Pension entitlement?

TadleyBaggie

It's the mythical "35 years and I'm done" thing again.

molerat

Did I read somewhere I can transfer her overpayment to my account?

No, you can't.

Ayr_Rage

Nobody can overpay, even if you have enough years for a full pension before you reach SPA you still pay NI until SPA if you are in work and above the earnings limit.

As for spousal transfers.......

horsewithnoname

trigger39 said:

Hi, bit of a novice question. I have gaps in my N.I contributions, whereas my wife has paid the full 35 years and is still paying 6 years on. Did I read somewhere I can transfer her overpayment to my account?

Thanks in advance 
Stuart

You might be able to pay up some part years if they are still in date, concentrate on what you can do to get to full state pension entitlement as soon as possible, because there are time limits to it. 

TripleH

I think the only transfer you can do is if 1 spouse has paid in the additional contributions but dies before retirement and the other spouse hasn't?

My mother got extra because my dad died before his official retirement age  (or something akin to that).

Albermarle

The  question is in the wrong forum, It should be here.
Pensions, annuities & retirement planning — MoneySavingExpert Forum

rodney72

This is not a comment but a question.
I tried to buy back the missing years of my National Insurance and applied before 5/4/2025.
Heard nothing until recently getting a letter from them saying I cannot buy back missing years as I was in the Fire Brigade pension scheme and contracted out for 30 years.
But I am on a reduced state pension just like any other person who hasn't got enough years for a full pension.
Is this right or should I argue it?
Thanks in advance for any help.
Rondey72

molerat

Filling additional pre 2016 gaps may not add to the pension if you have a contracted out history as a maximum of 30 would be useable, only years 2016-17 and later would count.  When did you reach state retirement ?

Silvertabby

If the 72 part of your username is your age, then you will have reached SPA a couple of years after the introduction of the new State pension in 2016.  Depending on your exact date of birth, only adding 2016/17 and 2017/18 would have added to your State pension. If I am correct about your age, and if you weren't working post 2016, then you will have been in the same situation as Mr S.  ie, your pension credit age (being the date a woman born on the same date received her State pension) will have been 63 and some odds.  Like him, you won't have been entitled to pension credit (RAF pension) but you would have been eligible to claim winter fuel allowance and - the biggee - receive automatic 'free' NI credits for 2016/17 and possibly 2017/18.  This is why you were told that you have no gaps to fill - pre 2016 won't have improved your State pension, and post 2016 gaps were filled by automatic NI credits.

Incidentally, your State pension hasn't been reduced.  You will be getting at least the State pension you expected to receive under the old rules, possibly more if I am right about your age.  Please don't make the very common mistake of assuming that the new single tier pension has replaced the old basic pension, as the two schemes are apples and oranges.

If it makes you feel better, consider that during your 30 years Fire pension membership, you paid reduced NI - but still receive the equivalent of the additional State pension (that you hadn't paid for) as part of your Fire pension.