State Pension forecast only 33 full years retirement date 4 weeks off full year

noideapleasehelp

Thank you to all who have replied so quickly to my post.

I'll digest tomorrow but Molerat thank you for that info as it makes sense to me now, and pinnks - thank's for that too.

Dazed_and_COnfused my apologies if you feel I'm wasting your time and other's by posting but I seriously didn't know about this and the limits until I saw my forecast earlier this week.

It's taken me a lot of research to understand all of this.

So thank you to you all for helping me understand.

Kind regards and thank you again for replying to my post.

TadleyBaggie

some members on here have needed 49 years for full state pension.

Ayr_Rage

https://forums.moneysavingexpert.com/discussion/comment/82033309#Comment_82033309

https://forums.moneysavingexpert.com/discussion/comment/82033309#Comment_82033309

Born in 1959, I needed over 48.

Edit : As I retired early from my work I bought 5 years.

Silvertabby

48 for me - 44 from working, 4 from paying Voluntary Class 3s. Very much a winner under the new pension scheme.

DRS1

What exactly are these 200+ pieces of photocopying that you are sending to HMRC? Old payslips? What are you asking HMRC to do with them? Sending someone 200+ pages of information may not be the way to get a quick reply.

If you are trying to get someone to check your NIC record is correct is it HMRC that you should be asking or is it the DWP?

I think the multiple NINOs you have had may be the thing to focus on. Tell them the numbers you had and ask them to check if NICs recorded against those numbers have all been credited to you. If you can tell what years those NINOs were used for then you can check your NI record to see what it says for those years - are they showing any NICs at all or are they completely empty?

And maybe talk also about any years which are shown as not full where you can show you were employed for the full tax year. If you were temping it must be possible you had gaps which may explain why you did not qualify for the full year.

Dazed_and_C0nfused

https://forums.moneysavingexpert.com/discussion/comment/82033302#Comment_82033302

It's only continuing with any idea that you can get a qualifying year for 2026/27 that is wasting people's time.

If you have a valid reason to think other years are incorrectly recorded as incomplete then that is a different matter.

Although I do agree with @DRS1 that what you are thinking of sending seems extreme!

doodling

Hi,

I agree with the posters who are saying that 200 pages of information is extreme.

I would start with a simple letter with a table listing all the years where you could have made NI contributions, what the government website says you actually made (none, partial or full), whether you agree and if you don't agree then explaining why you don't agree, referencing the relevant NI numbers for that year.

Only if there are queries on that information would I start sending payslips / P60s.

If you need help understanding whether a particular NI year is "full" then I'm sure someone on here can assist.

pinnks

You mention that you worked overseas. Was that in the EU, or elsewhere? If in the EU or a country with which the UK has a similarly-worded social security agreement, you might be entitled to a small pension from that, or those, country/ies if you have a record of more than 12 months there.

sheenas

The question I have is about retirement age set in stone. The OP could simply carry on working. Would that have an effect on the pension calculation if he chose not to take the pension?

QrizB

The question I have is about retirement age set in stone. The OP could simply carry on working. Would that have an effect on the pension calculation if he chose not to take the pension?

Short answer: No.

The longr answer is more complicated (deferral can increase the pension you receive) but it still won't change the number of full years you have.

https://www.gov.uk/deferring-state-pension