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Self Employment and NI/State Pensions
bandit33
Posts: 3 Newbie
My wife and I have been in a business Partnership for many years but whilst for the last 5(plus many more) my NI contributions are showing as 'Full Year' my wifes are not.....I should mention that I started recieving my State Pension in July 2025 and my wife is due hers from May 2026..is ther any reason why there should be this difference other than HMRC need to update her records. Its important as she has 30 full years otherwise.....thanks in anticipation...
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I'd be contacting HMRC to find out what's going on. Better to do it this time of the year rather than when it's tax time or year end and they are hyper busy.I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe, Old Style Money Saving and Pensions boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
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Check your state pension on: Check your State Pension forecast - GOV.UK
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Has your wife actually been paying her NI?Perhaps she can check with her accountant?N. Hampshire, he/him. Octopus Intelligent Go elec & Tracker gas / Vodafone BB / iD mobile. Ripple Kirk Hill Coop member.Ofgem cap table, Ofgem cap explainer. Economy 7 cap explainer. Gas vs E7 vs peak elec heating costs, Best kettle!
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Are you somehow making a link between your wife's position and the 35 years people starting to build up an NI history from 2016 need 🤔bandit33 said:My wife and I have been in a business Partnership for many years but whilst for the last 5(plus many more) my NI contributions are showing as 'Full Year' my wifes are not.....I should mention that I started recieving my State Pension in July 2025 and my wife is due hers from May 2026..is ther any reason why there should be this difference other than HMRC need to update her records. Its important as she has 30 full years otherwise.....thanks in anticipation...
Maybe your wife should check her actual State Pension forecast (reading it in full) to see what the facts are for her?0 -
but whilst for the last 5(plus many more) my NI contributions are showing as 'Full Year' my wifes are notWhen was the last time your wife showed a full year?
What is your wife's entitlement so far?
Can it be improved any further (has it already hit maximum or does it indicate how many more years are required)?
I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.1 -
What does her State Pension forecast say?
As long as it states she has full entitlement with no years to make up then it’s not a problem.30 years is neither here nor there.0 -
Not quite sure what you mean sorry but we've both been working from 1977 she has 30 full years accumulated to date...Dazed_and_C0nfused said:
Are you somehow making a link between your wife's position and the 35 years people starting to build up an NI history from 2016 need 🤔bandit33 said:My wife and I have been in a business Partnership for many years but whilst for the last 5(plus many more) my NI contributions are showing as 'Full Year' my wifes are not.....I should mention that I started recieving my State Pension in July 2025 and my wife is due hers from May 2026..is ther any reason why there should be this difference other than HMRC need to update her records. Its important as she has 30 full years otherwise.....thanks in anticipation...
Maybe your wife should check her actual State Pension forecast (reading it in full) to see what the facts are for her?0 -
2014/2015 last year showing as full..she has 30 years thus far....dunstonh said:but whilst for the last 5(plus many more) my NI contributions are showing as 'Full Year' my wifes are notWhen was the last time your wife showed a full year?
What is your wife's entitlement so far?
Can it be improved any further (has it already hit maximum or does it indicate how many more years are required)?0 -
She may need more than 35 years, or possibly fewer - the endless media comments that '35 years of NI are needed for a full pension' only apply to those who started their working life in 2016 or later.bandit33 said:
Not quite sure what you mean sorry but we've both been working from 1977 she has 30 full years accumulated to date...Dazed_and_C0nfused said:
Are you somehow making a link between your wife's position and the 35 years people starting to build up an NI history from 2016 need 🤔bandit33 said:My wife and I have been in a business Partnership for many years but whilst for the last 5(plus many more) my NI contributions are showing as 'Full Year' my wifes are not.....I should mention that I started recieving my State Pension in July 2025 and my wife is due hers from May 2026..is ther any reason why there should be this difference other than HMRC need to update her records. Its important as she has 30 full years otherwise.....thanks in anticipation...
Maybe your wife should check her actual State Pension forecast (reading it in full) to see what the facts are for her?Googling on your question might have been both quicker and easier, if you're only after simple facts rather than opinions!0 -
What NI has she been paying since then?bandit33 said:
2014/2015 last year showing as full..she has 30 years thus far....dunstonh said:but whilst for the last 5(plus many more) my NI contributions are showing as 'Full Year' my wifes are notWhen was the last time your wife showed a full year?
What is your wife's entitlement so far?
Can it be improved any further (has it already hit maximum or does it indicate how many more years are required)?Googling on your question might have been both quicker and easier, if you're only after simple facts rather than opinions!0 -
Didn't they change the collection method for self employed NICs in 2015/6? Something to do with collecting via the self assessment tax return?0
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