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Child Benefit and NI contributions
Hello
My son was born over 10 years ago, and we’ve been claiming Child Benefit for him since then. I earn above the threshold for the High Income Child Benefit Charge, while my wife is a stay at home parent. We had assumed that since the Child Benefit was being paid into my wife’s bank account, she would automatically receive the associated National Insurance (NI) credits.
However, we’ve recently discovered that the NI credits have been going to me instead, and my wife has not received any for the past 10 years. This could significantly impact her future State Pension entitlement.
Is there any way to rectify this situation so that my wife can receive the NI credits for those years? We want to ensure she doesn’t miss out on up to 10 years of contributions due to this misunderstanding.
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