State pension forecast query

RoysV

I'm wondering if anyone can help. I logged on to the Gov's pension forecast and noticed the layout/format has changed which has puzzled me a bit. I've attached what I could see last April and what I'm seeing now, after numerous attempts to upload an image I gave up and just just took a pic of my screen so apologies for the quality and the massive size.
On the April 24 one, the bottom one, it seemed to say that I didn't need to make any more contributions and would receive the pension as stated, however on the Feb 25 it seems to say I need to contribute until 2033. 
Can anyone shed any light on this as, even though I spoke to the DWP a while ago and they said I didn't need to contribute any more, it's a bit of a concern. Hopefully I'm misunderstanding what I'm looking at Edited to add I have 41 years NI contributions contracted out 7 years and haven't worked for the last 2 years 

la531983

Yes you have misunderstood, it means you still need to pay NI until 2034 when presumably you reach pension age and will not longer need to, just like the rest of the population.

Nothing to do with your forecast,  the screenshot actually gives you the reason. 

RoysV

la531983 said:

Yes you have misunderstood, it means you still need to pay NI until 2034 when presumably you reach pension age and will not longer need to, just like the rest of the population.

Nothing to do with your forecast

I haven't worked for 2 years now, so are you saying I need to get another job?

molerat

It's the new way to confuse you, there is another post on it elsewhere.  The new screen is very clear if you are not at the full amount but confusing to the point of being misleading if you are.  I can see them being inundated with phone calls over this.

RoysV

molerat said:

It's the new way to confuse you, there is another post on it elsewhere.  The new screen is very clear if you are not at the full amount but confusing to the point of being misleading if you are.  I can see them being inundated with phone calls over this.

So am I at the full amount and don't need to pay any other NI contributions? I edited my original post to say I haven't worked for 2 years have 41 years full contributions of which I was contracted out for 7 years. 
You're right about confusing mind almost as if it's done on purpose 

molerat

RoysV said:

molerat said:

It's the new way to confuse you, there is another post on it elsewhere.  The new screen is very clear if you are not at the full amount but confusing to the point of being misleading if you are.  I can see them being inundated with phone calls over this.

So am I at the full amount and don't need to pay any other NI contributions? I edited my original post to say I haven't worked for 2 years have 41 years full contributions of which I was contracted out for 7 years. 
You're right about confusing mind almost as if it's done on purpose 

Yes and have been in that situation since April 2016, nothing you have done since then has added to the pension.

la531983

RoysV said:

la531983 said:

Yes you have misunderstood, it means you still need to pay NI until 2034 when presumably you reach pension age and will not longer need to, just like the rest of the population.

Nothing to do with your forecast

I haven't worked for 2 years now, so are you saying I need to get another job?

No !!!!!

Its saying if you did you would still pay NI (assuming you met the weekly/monthly threshold), along with the rest of the population, until you reach state pension age!

Reaching the 35 years (or whatever) of contributions doesn't mean you avoid NI until SPA if you are still working and meet the threshold.

molerat

la531983 said:

RoysV said:

la531983 said:

Yes you have misunderstood, it means you still need to pay NI until 2034 when presumably you reach pension age and will not longer need to, just like the rest of the population.

Nothing to do with your forecast

I haven't worked for 2 years now, so are you saying I need to get another job?

No !!!!!

Its saying if you did you would still pay NI (assuming you met the weekly/monthly threshold), along with the rest of the population, until you reach state pension age!

Reaching the 35 years (or whatever) of contribuitions doesnt mean you avoid NI until SPA if you are still working and meet the threshold.

But the new forecast doesn't make that clear, it states you will get £xxx.xx if you contribute until 5 April xxxx.  It does not make it clear that not contributing will have the same effect, it does not make it clear that you already are at that point.

You do realise there are two versions of the same forecast there ?

la531983

molerat said:

la531983 said:

RoysV said:

la531983 said:

Yes you have misunderstood, it means you still need to pay NI until 2034 when presumably you reach pension age and will not longer need to, just like the rest of the population.

Nothing to do with your forecast

I haven't worked for 2 years now, so are you saying I need to get another job?

No !!!!!

Its saying if you did you would still pay NI (assuming you met the weekly/monthly threshold), along with the rest of the population, until you reach state pension age!

Reaching the 35 years (or whatever) of contribuitions doesnt mean you avoid NI until SPA if you are still working and meet the threshold.

But the new forecast doesn't make that clear, it states you will get £xxx.xx if you contribute until 5 April xxxx.  It does not make it clear that not contributing will have the same effect, it does not make it clear that you already are at that point.

I assumed it was basic knowledge that getting to max contributions doesn't mean you are suddenly exempt from paying NI if still under SPA and still working, maybe I'm giving people too much credit.

OP, i am in my early 40s, by the time i reach 53 I will have made my maximum of 35 years contributions yet my employer will still take NI from my salary as I dont intend to give up work at 53. Maybe this is a better way of explaining it 

molerat

la531983 said:

I assumed it was basic knowledge that getting to max contributions doesn't mean you are suddenly exempt from paying NI if still under SPA and still working, maybe I'm giving people too much credit.

The old forecast clearly states that but the new version certainly does not not make any references to it but instead infers you need to contribute to get the amount stated.

RoysV

la531983 said:

molerat said:

la531983 said:

RoysV said:

la531983 said:

Yes you have misunderstood, it means you still need to pay NI until 2034 when presumably you reach pension age and will not longer need to, just like the rest of the population.

Nothing to do with your forecast

I haven't worked for 2 years now, so are you saying I need to get another job?

No !!!!!

Its saying if you did you would still pay NI (assuming you met the weekly/monthly threshold), along with the rest of the population, until you reach state pension age!

Reaching the 35 years (or whatever) of contribuitions doesnt mean you avoid NI until SPA if you are still working and meet the threshold.

But the new forecast doesn't make that clear, it states you will get £xxx.xx if you contribute until 5 April xxxx.  It does not make it clear that not contributing will have the same effect, it does not make it clear that you already are at that point.

I assumed it was basic knowledge that getting to max contributions doesn't mean you are suddenly exempt from paying NI if still under SPA and still working, maybe I'm giving people too much credit.

OP, i am in my early 40s, by the time i reach 53 I will have made my maximum of 35 years contributions yet my employer will still take NI from my salary as I dont intend to give up work at 53. Maybe this is a better way of explaining it 

Yes I completely understand that. It was the wording on the new version saying  "Forecast if you contribute National Insurance until 2033" that had me wondering. Surely you can see that's a tad ambiguous?