how last year does not count ni

myself2727

when phone them i was inform my last year of  ni does not count towards my pension which means i 1 year short full pension . yes i did my taxes and paid ni for that year .  how can this be correct 

Sarahspangles

You asked the same question on this forum last year. It is correct, the tax year in which we reach State Pension age has never counted as a qualifying year.

If you aren’t receiving the full New State Pension, do you have any years you didn’t contribute that you can make up?

p00hsticks

For anyone that interested, I saved this thread from a couple of years back which details the relevant legislation for both old and new State Pension
Voluntary Contributions for the tax year in which I reach State Pension Age? — MoneySavingExpert Forum

Sarahspangles

p00hsticks said:

For anyone that interested, I saved this thread from a couple of years back which details the relevant legislation for both old and new State Pension
Voluntary Contributions for the tax year in which I reach State Pension Age? — MoneySavingExpert Forum

It makes the point right at the beginning that the tax year in which people turned 16 was eligible for pension purposes. And in fact everyone my age was credited with the years they turned 16,17 and 18. So I don’t think anyone is disadvantaged by when their birthday falls, i.e. just missing an extra tax year because they were a March baby. Everyone born that year had a shot at clocking up the same number of years. 

molerat

Sarahspangles said:

p00hsticks said:

For anyone that interested, I saved this thread from a couple of years back which details the relevant legislation for both old and new State Pension
Voluntary Contributions for the tax year in which I reach State Pension Age? — MoneySavingExpert Forum

It makes the point right at the beginning that the tax year in which people turned 16 was eligible for pension purposes. And in fact everyone my age was credited with the years they turned 16,17 and 18. So I don’t think anyone is disadvantaged by when their birthday falls, i.e. just missing an extra tax year because they were a March baby. Everyone born that year had a shot at clocking up the same number of years. 

Although it is hard to swallow paying a whole year of NI for no reward, my BIL was born 4th April.

Sarahspangles

molerat said:

Sarahspangles said:

p00hsticks said:

For anyone that interested, I saved this thread from a couple of years back which details the relevant legislation for both old and new State Pension
Voluntary Contributions for the tax year in which I reach State Pension Age? — MoneySavingExpert Forum

It makes the point right at the beginning that the tax year in which people turned 16 was eligible for pension purposes. And in fact everyone my age was credited with the years they turned 16,17 and 18. So I don’t think anyone is disadvantaged by when their birthday falls, i.e. just missing an extra tax year because they were a March baby. Everyone born that year had a shot at clocking up the same number of years. 

Although it is hard to swallow paying a whole year of NI for no reward, my BIL was born 4th April.

That applies to lots of people though - I qualified for full NSP by the end of last tax year, so this year hasn’t added anything, and if I was planning to work to SPA (I’m not) I would clock up ten years.

molerat

Sarahspangles said:

molerat said:

Sarahspangles said:

p00hsticks said:

For anyone that interested, I saved this thread from a couple of years back which details the relevant legislation for both old and new State Pension
Voluntary Contributions for the tax year in which I reach State Pension Age? — MoneySavingExpert Forum

It makes the point right at the beginning that the tax year in which people turned 16 was eligible for pension purposes. And in fact everyone my age was credited with the years they turned 16,17 and 18. So I don’t think anyone is disadvantaged by when their birthday falls, i.e. just missing an extra tax year because they were a March baby. Everyone born that year had a shot at clocking up the same number of years. 

Although it is hard to swallow paying a whole year of NI for no reward, my BIL was born 4th April.

That applies to lots of people though - I qualified for full NSP by the end of last tax year, so this year hasn’t added anything, and if I was planning to work to SPA (I’m not) I would clock up ten years.

But you can see the perceived injustice of those who have paid in all their life and retiring between 2016 and this April where that one year could be the difference between getting the full pension or not.

Sarahspangles

molerat said:

Sarahspangles said:

molerat said:

Sarahspangles said:

p00hsticks said:

For anyone that interested, I saved this thread from a couple of years back which details the relevant legislation for both old and new State Pension
Voluntary Contributions for the tax year in which I reach State Pension Age? — MoneySavingExpert Forum

It makes the point right at the beginning that the tax year in which people turned 16 was eligible for pension purposes. And in fact everyone my age was credited with the years they turned 16,17 and 18. So I don’t think anyone is disadvantaged by when their birthday falls, i.e. just missing an extra tax year because they were a March baby. Everyone born that year had a shot at clocking up the same number of years. 

Although it is hard to swallow paying a whole year of NI for no reward, my BIL was born 4th April.

That applies to lots of people though - I qualified for full NSP by the end of last tax year, so this year hasn’t added anything, and if I was planning to work to SPA (I’m not) I would clock up ten years.

But you can see the perceived injustice of those who have paid in all their life and retiring between 2016 and this April where that one year could be the difference between getting the full pension or not.

Yes I can but I think I feel more sorry for the ones who retired in 2016, never having had any opportunity. Any change is going to include some people and exclude others.

I wonder if the generation just starting their careers will change behaviours when they have clocked up 35 years. In the same way as pension freedoms have prompted some people to consider their options a bit earlier than they might otherwise have done.

My children were born in the 1997 and 1999 tax years, just yesterday the oldest mentioned she wants to understand her pension entitlement.