Can I transfer my NI contributions to my husband?

JawsLFC66

I work part time and intermittently pay NI contributions and have already paid a full stamp. My husband took early retirement and has not paid any contributions from 2022/23. He has gaps/shortfalls in his predicted state pension which he can buy but I wondered if I can transfer my NI overpayments/contributions to his account to reduce this deficit and if yes how do I go about it.

eskbanker

No - you don't have "NI overpayments" anyway, just NI contributions that don't increase your state pension entitlement.

Sarahspangles

No, that’s not possible. But has he checked if he needs those years? A lot of middle aged people seem to be assuming that they need 35 years exactly, without verifying that, when that isn’t the case - some need more but some less.

Marcon

JawsLFC66 said:

I work part time and intermittently pay NI contributions and have already paid a full stamp. My husband took early retirement and has not paid any contributions from 2022/23. He has gaps/shortfalls in his predicted state pension which he can buy but I wondered if I can transfer my NI overpayments/contributions to his account to reduce this deficit and if yes how do I go about it.

Not sure what you mean by 'full stamp' (?complete year) but worth checking your own and your husband's state pension forecasts to ensure you know exactly where you both stand in terms of state pension: https://www.gov.uk/check-state-pension

Mr.Generous

Mine didn't show full state pension earned until I hit 40 years full contributions. Now I can look foreward to a life of luxury when I'm 67

Cobbler_tone

Marcon said:

JawsLFC66 said:

I work part time and intermittently pay NI contributions and have already paid a full stamp. My husband took early retirement and has not paid any contributions from 2022/23. He has gaps/shortfalls in his predicted state pension which he can buy but I wondered if I can transfer my NI overpayments/contributions to his account to reduce this deficit and if yes how do I go about it.

Not sure what you mean by 'full stamp' (?complete year) but worth checking your own and your husband's state pension forecasts to ensure you know exactly where you both stand in terms of state pension: https://www.gov.uk/check-state-pension

I think that’s a safe assumption. It’s quite twee to imagine the days of collecting stamps and still hear the term a lot.

eskbanker

I was under the impression that people referring to 'full stamp' are typically using the anachronistic term to differentiate standard contributions from the 'small stamp' reduced contribution rate available to married women (until 1977):

Reduced rate National Insurance for married women

Until April 1977, married women could choose to pay a reduced rate of National Insurance (sometimes called the ‘small stamp’).

https://www.gov.uk/reduced-national-insurance-married-women

LHW99

I seem to remember when a child (too long ago) that my mum used to pay NI at the post office (?) and had a card which was literally stamped with an ink pad thing as a receipt of payment.

molerat

LHW99 said:

I seem to remember when a child (too long ago) that my mum used to pay NI at the post office (?) and had a card which was literally stamped with an ink pad thing as a receipt of payment.

Where the term "given your cards" when sacked came from, you were given the NI card.  I remember being given my brown card with sticky stamps when leaving my first job in 1970. Never saw it again as my next job lasted beyond 1975 when they were discontinued.