child aged 12 no longer get national insurance paid so now have gaps. Going forward any ideas?

Spoonie_Turtle

tpeter said:

poppy12345 said:

It makes no difference whose bank account the UC is paid into. You will both be receiving class 3 NI credits since you started your claim. 

They can’t be backdated to a date before your UC claim started. 

thank you. But i was on child tax credit before they transferred me. so hoping its the same rules.

Only Working Tax Credit is mentioned here, not Child TC, and for that it says only one partner would get the NI credits
https://www.gov.uk/national-insurance-credits/eligibility

I will echo the comment made that there is a glitch with UC not automatically applying NI credits, but people approaching state pension age are the priority for having that corrected in their NI records, for obvious reasons.

poppy12345

You would not receive any NI credits when claiming child tax credits. 

tpeter

poppy12345 said:

You would not receive any NI credits when claiming child tax credits. 

thank you soooo much for all your replies. I am on the case with them . I have phoned  quite a few times and not one person has been able to answer me!!!!!!

poppy12345

I’m not surprised that any call centre for DWP could answer your questions because they are not benefits advisors. It’s not somewhere I’d advise anyone to go for advice. 

kaMelo

tpeter said:

kaMelo said:

Where the money is paid shouldn't make any difference, both of you should receive class 3 NI credits for any period that you qualify for a UC payment.

I wonder if this is one of those cases of system error where credits not being applied.

What exactly does your state pension forecast say and, probably a stupid question, do DWP have your NI number?

my state pension tax tear 23/24 says i am missing gaps . It coinicides with my youngest turing 12

i assume they have my NI number...i mean all the letters i get have it

On the NI number, like I said it was probably a stupid question but still worth eliminating.

It's clear you have gaps, that's the point of the thread. When I said what does it say exactly I meant the whole forecast.

Current amount up to April 2024
Forecast if you contribute xx years before 5th April xxxx
£xxx.xx is the most you can get

(xxxx will be your specific figures)

tpeter

@kaMelo

thank you .

i will get to 35 years as have enough time left (especially now i am looking into it ) .

Was just hoping to get there for free

Although i was opted out from serps around 1990 till they expired the program. Did not understand what i did and was not really aware that i was still opted out all those years . Not exactly sure how that will affect my state pension .

kaMelo

tpeter said:

@kaMelo

thank you .

i will get to 35 years as have enough time left (especially now i am looking into it ) .

Was just hoping to get there for free

Although i was opted out from serps around 1990 till they expired the program. Did not understand what i did and was not really aware that i was still opted out all those years . Not exactly sure how that will affect my state pension .

You're still referring to 35 years but as I said earlier, 35 years has no relevance to you as you have a pre 2016 NI history. 

35 years is only relevant to people witha post 2016 NI history only, those aged 25 or less.

You, like the majority of us, are u der transitional rules where the number of years you require is based upon your own circumstances and you could require more or less than 35.

 Given you say you were contracted out of SERPS/S2P for a long time it's likely you will need more than 35 years, there are a ggod few examples on the pensions board where people need between 45 and 49 years, one extreme example was 50 years. . On the other extreme, one poster had a full state pension entitlement with only 28 years.

Iif you want to know exactly where you are then post your details on the pensions board and someone will explain it fully.

tpeter

@kaMelothank you once again.

before i post on the pension board just a one liner

so the information on the state pension forecast is not accurate? I can see how many years i have left there to get full state pension and how much i will currently get when i turn 67

tpeter

ooops tagged thw wrong person apologies and i cannto edit the post

molerat

tpeter said:

@kaMelothank you once again.

before i post on the pension board just a one liner

so the information on the state pension forecast is not accurate? I can see how many years i have left there to get full state pension and how much i will currently get when i turn 67

Yes the forecast is correct with reference to how many more years you need and what you will get.  

It is the often misquoted 35 years that is of no relevance though, you could coincidentally need a total of 35 years but it could be anywhere between around 28 to 48 but being younger likely closer to 35.