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    • charlies_mum
    • By charlies_mum 5th Feb 18, 8:34 PM
    • 6,980Posts
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    charlies_mum
    Getting up to date with NI contributions
    • #1
    • 5th Feb 18, 8:34 PM
    Getting up to date with NI contributions 5th Feb 18 at 8:34 PM
    My husband was made redundant two years ago at the age of 61 after working in full time employment with the same company for all his working life

    He hasn't been asked for any NI contributions for the last two years and we want to keep up his contributions so that he will qualify for his full pension when he is 66

    How can we find out what he needs to pay to get up to date ?

    Thanks for any help
    You're only young once, but you can be immature forever
Page 1
    • Dazed and confused
    • By Dazed and confused 5th Feb 18, 9:15 PM
    • 2,558 Posts
    • 1,228 Thanks
    Dazed and confused
    • #2
    • 5th Feb 18, 9:15 PM
    • #2
    • 5th Feb 18, 9:15 PM
    He can check this tonight by looking at his personal tax account on gov.uk.

    It should show his National Insurance history and provide an estimate of his State Pension entitlement.

    The estimate needs to be read very carefully as it can give the impression he could get, say 159.55, but if you read further that is only if he pays X more years National Insurance.
    • ak3lly
    • By ak3lly 5th Feb 18, 9:27 PM
    • 4 Posts
    • 0 Thanks
    ak3lly
    • #3
    • 5th Feb 18, 9:27 PM
    • #3
    • 5th Feb 18, 9:27 PM
    Be wary of wether or not he has been contracted out, for new state pension this is referred to as rebate derived amount. If he has been contacted out voluntary contributions will not improve his state pension. It might be just as wise to call the pension forecast number and explain that your husband needs to know if and when he was contracted out to get a true indication of what he will get as the gov.uk website doesn't show this information unfortunately.
    • xylophone
    • By xylophone 5th Feb 18, 9:52 PM
    • 25,372 Posts
    • 14,968 Thanks
    xylophone
    • #4
    • 5th Feb 18, 9:52 PM
    • #4
    • 5th Feb 18, 9:52 PM
    If he has been contacted out voluntary contributions will not improve his state pension.
    This is inaccurate.

    First the OP's husband should get a state pension statement.

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

    Then see

    https://www.royallondon.com/Global/documents/GoodWithYourMoney/TOPPING-UP-YOUR-STATE-PENSION-GUIDE.pdf
    • molerat
    • By molerat 6th Feb 18, 12:17 PM
    • 18,593 Posts
    • 12,744 Thanks
    molerat
    • #5
    • 6th Feb 18, 12:17 PM
    • #5
    • 6th Feb 18, 12:17 PM
    Be wary of wether or not he has been contracted out, for new state pension this is referred to as rebate derived amount. If he has been contacted out voluntary contributions will not improve his state pension. It might be just as wise to call the pension forecast number and explain that your husband needs to know if and when he was contracted out to get a true indication of what he will get as the gov.uk website doesn't show this information unfortunately.
    Originally posted by ak3lly
    The on line pension forecast gives everything you need providing you know how to interpret it and understand the difference between the value of pre and post 2016 contributions.
    Last edited by molerat; 06-02-2018 at 12:21 PM.
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