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Record of National Insurance Contributions

GroundHog10
Posts: 2 Newbie

Good morning, I hope everyone is well. First time posting so not sure if I'm in the right place. Retired two years ago, aged 60, on a work place pension. Recently checked my National Insurance Contributions Record. It shows I have 43 years full contributions - no contributions made in last two years. Projected Forecast states I have not reached maximum state pension and have one year of contributions outstanding. Not sure how this can be. Tried phoning the help-line, no answer. Any thoughts/advice would be very much appreciated.
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Asked to be moved to pensions board.1
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GroundHog10 said:Good morning, I hope everyone is well. First time posting so not sure if I'm in the right place. Retired two years ago, aged 60, on a work place pension. Recently checked my National Insurance Contributions Record. It shows I have 43 years full contributions - no contributions made in last two years. Projected Forecast states I have not reached maximum state pension and have one year of contributions outstanding. Not sure how this can be. Tried phoning the help-line, no answer. Any thoughts/advice would be very much appreciated.
The ‘35 years’ to qualify only applies to Young’uns who joined the workforce starting from 2016.Fashion on the Ration
2024 - 43/66 coupons used, carry forward 23
2025 - 41.5/891 -
Why do you think it is wrong? Because you have more than 35 years ? 35 years is of no relevance to anyone with a pre 2016 record. You were no doubt in a contracted out pension scheme meaning you would need up 50 years depending on personal circumstances.1
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The state pension is a thing of beauty and mystery. The arbitrary x years seems to get brought up time and time again.
My father-in-law gets £1,600 state pension a month and I have never been able to work out exactly why but everything comes back to SERPS.1 -
You'll have been contracted out and so when your 'starting amount' was calculated under old and new rules in 2016 it will have been based on the old rules, as there will have been a deduction made under the new rules to take into account that you previously paid a lower rate of NI.
The result of the transitional rules are that everyone born before 2000 will need a different number of years to reach the maximum - anything from 29 to 50.
How much short of the maximum £221.20 are you currently ? Buying an extra year may or not be worth it as you cannot exceed that amount and so the final year can add any thing from 1p to £6.32....0 -
Thank you, everyone, for for your replies - they were all very helpful and have helped clear up some misconceptions.1
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If you’ve ever done the school run / child care etc. for a Grandchild in your 2 years of retirement, you can get specified adult credits via a Working Son or Daughter’s NI payments.You both fill in a form, they ‘give’ you part of their NI and you get a year’s credit.
You can claim in the October AFTER the year you gave childcare.My Wife gained 4 years credits that way.0
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