National Insurance gaps in 2001 - 2004 when I was a student at university

TemmyTemjin

Hello,

I was just looking at my National Insurance record on the HMRC website and noticed that in 2001 - 2004 it says "year is not full"



I was at university during those years. Is that what's expected? Is there any way of making those "full years"?

Thanks. 

la531983

There may be, but given you are what, in your early 40s (?), are you not projected to be working enough years to get the max anyway? 

Dazed_and_C0nfused

TemmyTemjin said:

Hello,

I was just looking at my National Insurance record on the HMRC website and noticed that in 2001 - 2004 it says "year is not full"



I was at university during those years. Is that what's expected? Is there any way of making those "full years"?

Thanks. 

You need to look at your State Pension forecast (the full detail, not the headline figure) to understand if they are in any way relevant really.

They are highly unlikely to be worth even giving a second thought to though.

si_74

I have exactly the same, but a few years earlier. I'm 51 now and my pension forecast has not been affected and I will qualify for the full amount.

The poster above is correct when they said check your forecast. That will give you a good idea but I think you'll be fine.

molerat

Unless HMRC have done anything wrong it is too late to do anything about it anyway as has been the case since 2008 to 2010.

vacheron

si_74 said:

I have exactly the same, but a few years earlier. I'm 51 now and my pension forecast has not been affected and I will qualify for the full amount.

The poster above is correct when they said check your forecast. That will give you a good idea but I think you'll be fine.

Mine says the same. Further eductaion is covered (or the state automatically contributes your first 2 years, I forget which), but Higher Education does not count, so my only gaps in my working life to date are 1992-1995.

Despite this, I hit my maximum pension NI limit last year (when I was 50) so plenty years left to make up the shortfall.  

molerat

vacheron said:

si_74 said:

I have exactly the same, but a few years earlier. I'm 51 now and my pension forecast has not been affected and I will qualify for the full amount.

The poster above is correct when they said check your forecast. That will give you a good idea but I think you'll be fine.

Mine says the same. Further eductaion is covered (or the state automatically contributes your first 2 years, I forget which), but Higher Education does not count, so my only gaps in my working life to date are 1992-1995.

Despite this, I hit my maximum pension NI limit last year (when I was 50) so plenty years left to make up the shortfall.  

Prior to 2010 the 3 years in which you reached 16, 17 & 18 and were in education - although that factor did not seem to be strictly enforced - were given as freebies.

p00hsticks

molerat said:

vacheron said:

si_74 said:

I have exactly the same, but a few years earlier. I'm 51 now and my pension forecast has not been affected and I will qualify for the full amount.

The poster above is correct when they said check your forecast. That will give you a good idea but I think you'll be fine.

Mine says the same. Further eductaion is covered (or the state automatically contributes your first 2 years, I forget which), but Higher Education does not count, so my only gaps in my working life to date are 1992-1995.

Despite this, I hit my maximum pension NI limit last year (when I was 50) so plenty years left to make up the shortfall.  

Prior to 2010 the 3 years in which you reached 16, 17 & 18 and were in education - although that factor did not seem to be strictly enforced - were given as freebies.

They were given to everyone I think.

pinnks

p00hsticks said:

molerat said:

vacheron said:

si_74 said:

I have exactly the same, but a few years earlier. I'm 51 now and my pension forecast has not been affected and I will qualify for the full amount.

The poster above is correct when they said check your forecast. That will give you a good idea but I think you'll be fine.

Mine says the same. Further eductaion is covered (or the state automatically contributes your first 2 years, I forget which), but Higher Education does not count, so my only gaps in my working life to date are 1992-1995.

Despite this, I hit my maximum pension NI limit last year (when I was 50) so plenty years left to make up the shortfall.  

Prior to 2010 the 3 years in which you reached 16, 17 & 18 and were in education - although that factor did not seem to be strictly enforced - were given as freebies.

They were given to everyone I think.

They were indeed given to everyone so far as the year(s) was/were not full by means of mandatory NI through work.  And of course to people coming to the UK and getting their NI number before 6 April 2010, even if they had nothing to do with the UK at the ages 16, 17 and 18...