How many years qualify

Appletree40

If the year on the Government we site says 'Full Year' does that mean that the year is a full qualifying year and counts as one of my 35 years?

la531983

Yes.......

(Assuming your requirement is actually 35 years. It isn't for everyone)

Ayr_Rage

Yes it counts.

The 35 years only applies to those born after 2000.

Depending on when you started working and whether you were in a private pension you may need more or less.

I am 66 and needed 48 years to get the full state pension.

DRS1

I take it you weren't born in 1940?

If it says Full Year then it counts towards your state pension.

Whether you need 35 qualifying years does depend on when you were born.

Appletree40

1964, and it seems from what I have read that I need 35 years full contributions

Ayr_Rage

Appletree40 said:

1964, and it seems from what I have read that I need 35 years full contributions

Your .gov account will tell you how many years you need, not what you have read online, in the press or even from Martin Lewis who keeps mentioning that bogus number.

la531983

Appletree40 said:

1964, and it seems from what I have read that I need 35 years full contributions

Read where?

Have you actually logged in and checked?

DRS1

Appletree40 said:

1964, and it seems from what I have read that I need 35 years full contributions

Yes you are a bit too old for the 35 and done regime.  As others have said the easiest thing to do is log on and see how many years you still need to get the full state pension.  You may find it already says you have reached the most you can get or it may say you will get the maximum if you contribute x more years before your SPA.

Cobbler_tone

Ayr_Rage said:

Appletree40 said:

1964, and it seems from what I have read that I need 35 years full contributions

Your .gov account will tell you how many years you need, not what you have read online, in the press or even from Martin Lewis who keeps mentioning that bogus number.

TBF he doesn’t, he always says “ish” and that it could be more or less. You’d think with the amount of requests on here the penny may have dropped by now.

Silvertabby

Appletree40 said:

If the year on the Government we site says 'Full Year' does that mean that the year is a full qualifying year and counts as one of my 35 years?

Not necessarily.  It just means 'full financial year' and not 'paid full rate NI'.  

If you are nearing SPA then you are under transitional arrangements.  Depending on how much contracted out (of SERPS) service you have, you will need anything between 26 and 50 years of NI contributions in order to qualify for the full new State pension.