National insurance transfer from spouse who had been registered for child benefit

Blobby2

Wondered could you help.  I am a 59 year old male. I need 4 years NI contributions to receive full pension.  My wife already has 40 years contributions.

Was wondering how far back  can I request transfer of my wife's NI contributions which she received for our daughter's child benefit. 

My daughter was born in August 2004.  Was looking to receive transfers for:-

2009/2010

2010/2011

2011/2012

2012/2013

but not sure that I can request that far back.

Your help would be greatly appreciated.

TheSpectator

Do you need them? i.e. are you currently working?

molerat

Would those pre 2016 years actually add to your pension amount though ?  How many years 2015-16 and earlierr do you already have and were you in a contracted out pension scheme ?

sheramber

The Government propose to allow back dating of NI Credits from April 26 but only back to 2013.

https://www.gov.uk/government/publications/tax-simplification-update-january-2024/tax-simplification-update-january-2024

molerat

sheramber said:

The Government propose to allow back dating of NI Credits from April 26 but only back to 2013.

https://www.gov.uk/government/publications/tax-simplification-update-january-2024/tax-simplification-update-january-2024

That is for a different reason though.  It is limited to 2013 as it is for those that did not claim CB due to the HICBC.

Transfer between spouses using CF411A is limited to the previous tax year but the guidance states to give a reason for not doing it earlier and each case will be looked at on its merits, they have in the past been fairly generous.

https://www.gov.uk/government/publications/national-insurance-credits-for-parents-and-carers-cf411a

Blobby2

TheSpectator said:

Do you need them? i.e. are you currently working?

No, retired from work with no prospect of working again unfortunately

Blobby2

molerat said:

Would those pre 2016 years actually add to your pension amount though ?  How many years 2015-16 and earlierr do you already have and were you in a contracted out pension scheme ?

Have 31 years contributions , that being pre 2008 and between 2014 and 2020.  Was in a contracted out scheme.

molerat

If you were in a contracted out pension it is likely you would be limited to 30 pre 2016 years, that is why I mentioned 2015-16 specifically, up to there is the ones you need to count.

xylophone

Have you and your wife obtained state pension forecasts?

https://www.gov.uk/check-state-pension

What exactly is shown?

Blobby2

Yes used Gateway for forecasts.  I need 4 years to get full  pension  between now and 2032 and wife  already has enough for full pension