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Missing 10 years pension
After leaving school I moved abroad for 10 years. I returned home and attended university in the Republic of Ireland until Covid. Since then I have been in poor health and have been on benefits. I am worried about missing the 10 years contributions when I was out of the country.
I am seeking advice on the best way to make up those 10 years? I believe I can only pay missing years within the past 6 years so that is not an option.
Thanks in advance
Comments
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Where were you when you were abroad, and were you working there?
Are you currently claiming benefits that include NI credits?
Have you checked your State Pension forecast?
Take a look and let us know what it says.
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I know that some Irish moneysaving sites have info about British pensions- would that be any help?
https://www.askaboutmoney.com/threads/uk-state-pension-make-voluntary-contributions-to-qualify-for-uk-pension-on-top-of-irish-pension.230581/
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How many years do you have left until current state pension age, 67? You may yet earn enough NI credits.
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If you were working abroad then you may be eligible for a "state pension" from that country and/or be able to add credits for that time to you UK SP. I am getting both a foreign and my full UK SP. My other half was able to top up his UK SP but still gets paid his foreign SP as well.
If you come back with some specifics we might be able to help further. Otherwise you might want to talk to these people….
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Check your state pension on: Check your State Pension forecast - GOV.UK
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