2 years of working until I have enough for pension

paul2louise

I am 52 and currently working part time and earning enough to pay full contributions. I have a 4 gap years when I was at uni, a year out back packing and 1 year not full due to son reaching birthday threshold and I was only working 10 hours a week. 
I can count 31 full years on the history and then these part years but it says that I only need 2 more years until I reach full pension. Do part years still count if they add up. I did work during my uni years in holidays and the gap year I worked 9 months of 1999/2000 then 3 months of 2000/2001 when we returned. 

If only counting full years then 31 plus the 2 remaining only totals 33 and I thought you had to reach 35 years

On-the-coast

From gov.uk…
35 years is not relevant to you because it’s only
“If your National Insurance record started after April 2016 you will need 35 qualifying years to get the full rate of new State Pension”
just go with what your online NI record says. 

Dazed_and_C0nfused

paul2louise said:

I am 52 and currently working part time and earning enough to pay full contributions. I have a 4 gap years when I was at uni, a year out back packing and 1 year not full due to son reaching birthday threshold and I was only working 10 hours a week. 
I can count 31 full years on the history and then these part years but it says that I only need 2 more years until I reach full pension. Do part years still count if they add up. I did work during my uni years in holidays and the gap year I worked 9 months of 1999/2000 then 3 months of 2000/2001 when we returned. 

If only counting full years then 31 plus the 2 remaining only totals 33 and I thought you had to reach 35 years

Two (or more) part years can't be combined to make one full year.

The 35 years rule doesn't apply to you, that is just for people building up an NI history from April 2016.

Have you looked at the details of your State Pension forecast rather than your NI record?

If you read it in full it will show you how much State Pension you have already accrued and how many more years you need to add to get your personal maximum, which is likely to be £230.25/week.

paul2louise

On-the-coast said:

From gov.uk…
35 years is not relevant to you because it’s only
“If your National Insurance record started after April 2016 you will need 35 qualifying years to get the full rate of new State Pension”
just go with what your online NI record says. 

Thank you that makes sense. 

paul2louise

Dazed_and_C0nfused said:

paul2louise said:

I am 52 and currently working part time and earning enough to pay full contributions. I have a 4 gap years when I was at uni, a year out back packing and 1 year not full due to son reaching birthday threshold and I was only working 10 hours a week. 
I can count 31 full years on the history and then these part years but it says that I only need 2 more years until I reach full pension. Do part years still count if they add up. I did work during my uni years in holidays and the gap year I worked 9 months of 1999/2000 then 3 months of 2000/2001 when we returned. 

If only counting full years then 31 plus the 2 remaining only totals 33 and I thought you had to reach 35 years

Two (or more) part years can't be combined to make one full year.

The 35 years rule doesn't apply to you, that is just for people building up an NI history from April 2016.

Have you looked at the details of your State Pension forecast rather than your NI record?

If you read it in full it will show you how much State Pension you have already accrued and how many more years you need to add to get your personal maximum, which is likely to be £230.25/week.

Yes I have looked at my forecast that's why I was a bit confused. At the moment I can get about £222 and if I pay 2 more years I will get the full £230.25. I just got confused with the 35 years. This is great for me thank you