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  • FIRST POST
    • 50Twuncle
    • By 50Twuncle 20th Mar 18, 10:17 AM
    • 8,600Posts
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    50Twuncle
    NI Credits problem
    • #1
    • 20th Mar 18, 10:17 AM
    NI Credits problem 20th Mar 18 at 10:17 AM
    I am missing out on 8 years NI contributions and have discovered that I may be entitled to claim them from DWP....
    I am 54 years old

    I am receiving a small Ill Health Pension from former employer.

    I am disabled and working 10 hours a week (so not entitled to Tax Credits) - yet due to my payrate, I am earning under the NI rate !!

    I have savings - so not entitled to ESA (in any case - have no recent NI credits for contribution based)

    I see https://www.gov.uk/national-insurance-credits/eligibility says "You're not on Employment and Support Allowance but you satisfy the conditions for it"

    But selecting conditions - does not tell me what the specific conditions are.....
    Anyone offer me any help ??

    Thanks
Page 1
    • pmlindyloo
    • By pmlindyloo 20th Mar 18, 11:04 AM
    • 11,899 Posts
    • 13,756 Thanks
    pmlindyloo
    • #2
    • 20th Mar 18, 11:04 AM
    • #2
    • 20th Mar 18, 11:04 AM
    I am missing out on 8 years NI contributions and have discovered that I may be entitled to claim them from DWP....
    I am 54 years old

    I am receiving a small Ill Health Pension from former employer.

    I am disabled and working 10 hours a week (so not entitled to Tax Credits) - yet due to my payrate, I am earning under the NI rate !!

    I have savings - so not entitled to ESA (in any case - have no recent NI credits for contribution based)

    I see https://www.gov.uk/national-insurance-credits/eligibility says "You're not on Employment and Support Allowance but you satisfy the conditions for it"

    But selecting conditions - does not tell me what the specific conditions are.....
    Anyone offer me any help ??

    Thanks
    Originally posted by 50Twuncle
    I am not entirely sure about this so would suggest that you telephone Job Centre Plus to find out.

    I think that you can apply for ESA and as long as you are found not fit for work (i.e have a WCA) and attend all the required interviews but do not receive payment on income grounds then you would receive NI credits.(exactly as if you were being paid)

    This seems to be backed up by this article

    http://www.thisismoney.co.uk/money/pensions/article-3725546/I-m-ill-NI-credits-state-pension-Steve-Webb-replies.html

    However, can't find anything 'official' about this. It may be that you only receive NI credits when you have been on ESA and payment then stops because of increased income/capital/or you were in WRAG and it ended after a year.

    So you need to check with Job Centre Plus. If the call centre bod doesn't know the answer then ask fro a call back from a supervisor.

    If you can't claim NI credits through the DWP then you can pay voluntary class 3 contributions.

    PS If you can make an ESA claim then you can ask to do your 10 hrs a week as permitted work.
    • 50Twuncle
    • By 50Twuncle 20th Mar 18, 11:05 AM
    • 8,600 Posts
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    50Twuncle
    • #3
    • 20th Mar 18, 11:05 AM
    • #3
    • 20th Mar 18, 11:05 AM
    Hi. Do you definitely need the missing 8 years? Its just I checked my personal tax account a few minutes ago. I am 44 years old. It says I have 28 years of full contributions and that I have 23 years to contribute before 5 April 2040 (the year I can claim my retirement pension) But I only need to contribute another 8 years to get my full state pension.

    Sorry I can't answer your question on entitlement but thought I would mention that having gaps in your contribution record doesn't mean you lose out of your full state pension.

    Someone else will be along soon.
    Originally posted by Robbydabanca
    Yes - I do have 32 years of "contracted out" contributions - with another 8 needed for max benefits !
    • 50Twuncle
    • By 50Twuncle 20th Mar 18, 11:13 AM
    • 8,600 Posts
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    50Twuncle
    • #4
    • 20th Mar 18, 11:13 AM
    • #4
    • 20th Mar 18, 11:13 AM
    I am not entirely sure about this so would suggest that you telephone Job Centre Plus to find out.

    I think that you can apply for ESA and as long as you are found not fit for work (i.e have a WCA) and attend all the required interviews but do not receive payment on income grounds then you would receive NI credits.(exactly as if you were being paid)

    This seems to be backed up by this article

    http://www.thisismoney.co.uk/money/pensions/article-3725546/I-m-ill-NI-credits-state-pension-Steve-Webb-replies.html

    However, can't find anything 'official' about this. It may be that you only receive NI credits when you have been on ESA and payment then stops because of increased income/capital/or you were in WRAG and it ended after a year.

    So you need to check with Job Centre Plus. If the call centre bod doesn't know the answer then ask fro a call back from a supervisor.

    If you can't claim NI credits through the DWP then you can pay voluntary class 3 contributions.

    PS If you can make an ESA claim then you can ask to do your 10 hrs a week as permitted work.
    Originally posted by pmlindyloo
    Thanks - yes that had crossed my mind - but I have savings ad a (small) ill health pension that preclude me from claiming INCOME RELATED ESA - I have no recent NI contributions, so that's CONTRIBUTARY ESA out and don't earn enough for UC based
    So it appears that I don't fit in however I try to claim
    • 50Twuncle
    • By 50Twuncle 20th Mar 18, 11:28 AM
    • 8,600 Posts
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    50Twuncle
    • #5
    • 20th Mar 18, 11:28 AM
    • #5
    • 20th Mar 18, 11:28 AM
    Ah okay. It is telling me I will receive a 26.55 per week reduction as I have been contracted out at some point too. A bit frustrating! Hope you get it sorted.
    Originally posted by Robbydabanca
    Thanks - the Thisismoney article above is extremely useful
    It looks as if I can put in a claim for a "credit only NI" award claim
    But the Jobcentre is unaware that these even exist
    Whoopy doo - what fun ?
    • Silvertabby
    • By Silvertabby 20th Mar 18, 11:43 AM
    • 3,342 Posts
    • 4,933 Thanks
    Silvertabby
    • #6
    • 20th Mar 18, 11:43 AM
    • #6
    • 20th Mar 18, 11:43 AM
    Ah okay. It is telling me I will receive a 26.55 per week reduction as I have been contracted out at some point too. A bit frustrating! Hope you get it sorted.
    Originally posted by Robbydabanca
    No reduction - the 26.55 COPE is, very roughly, DWP's estimate of how much additional pension you would have received under SERPS/SP2 if you hadn't been contracted out, and therefore paid reduced NI contributions.

    Under the transitional rules, you will receive at least the pension you would have received under the old rules, and may even get a bit more if you have scope to work/pay NI post 2016.
    • xylophone
    • By xylophone 20th Mar 18, 1:44 PM
    • 26,851 Posts
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    xylophone
    • #7
    • 20th Mar 18, 1:44 PM
    • #7
    • 20th Mar 18, 1:44 PM
    https://www.whatdotheyknow.com/request/407534/response/992525/attach/2/FOI%202158%20reply.pdf?cookie_passthrough=1

    Does the above throw any light?
    • 50Twuncle
    • By 50Twuncle 24th Mar 18, 9:56 AM
    • 8,600 Posts
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    50Twuncle
    • #8
    • 24th Mar 18, 9:56 AM
    • #8
    • 24th Mar 18, 9:56 AM
    Time for an update :
    I was advised by the JCP on line contact (local ?) to apply on line for JOB SEEKERS - Which I have done - and despite having savings if over 8k and a part time job and ill health pension - combined income of around 13k - apparently I am entitled to claim JS - I DO NOT WANT TO CLAIM JS - Just NI Credits !!

    I received a txt - "inviting" me to a job centre interview next Thursday - and told to bring my CV amongst other things
    • pmlindyloo
    • By pmlindyloo 24th Mar 18, 10:20 AM
    • 11,899 Posts
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    pmlindyloo
    • #9
    • 24th Mar 18, 10:20 AM
    • #9
    • 24th Mar 18, 10:20 AM
    Some possibilities..

    Are you on DLA/PIP? If so which components? Are you single
    /partner? If you have a partner do they work?

    If you are single, live alone and receive the mid rate/high rate care of DLA or PIP - daily living (standard or enhanced) then you would have premiums added onto your JSA which could mean you are still eligible.

    Also your ill health pension may not be counted as income depending on what kind it is (will need to search for the legislation)

    In any case, you need to wait until you get your JSA award letter to see how it has been worked out or you could try a benefits calculator to check (there may be difficulty with the ill health pension giving the correct amount.)

    Having said all that if you claim an NI credits only award you will be expected to adhere to the conditions of JSA although they should use a 'light touch'.

    Would your doctor give you a 'fit note'? They have suggested JSA I think because you are already working but you could apply for ESA and do your work as permitted work.

    Try the benefits calculator and see what it says first.

    I will try and find the legislation about ill health pensions.
    • 50Twuncle
    • By 50Twuncle 24th Mar 18, 10:24 AM
    • 8,600 Posts
    • 2,043 Thanks
    50Twuncle
    Some possibilities..

    Are you on DLA/PIP? If so which components? Are you single
    /partner? If you have a partner do they work?

    If you are single, live alone and receive the mid rate/high rate care of DLA or PIP - daily living (standard or enhanced) then you would have premiums added onto your JSA which could mean you are still eligible.

    Also your ill health pension may not be counted as income depending on what kind it is (will need to search for the legislation)

    In any case, you need to wait until you get your JSA award letter to see how it has been worked out or you could try a benefits calculator to check (there may be difficulty with the ill health pension giving the correct amount.)

    Having said all that if you claim an NI credits only award you will be expected to adhere to the conditions of JSA although they should use a 'light touch'.

    Would your doctor give you a 'fit note'? They have suggested JSA I think because you are already working but you could apply for ESA and do your work as permitted work.

    Try the benefits calculator and see what it says first.

    I will try and find the legislation about ill health pensions.
    Originally posted by pmlindyloo
    Benefit calculators do not work in my case !
    Married - partner on Carers Allowance
    my ill health pension is a Civil Service one
    I have not paid any NI credits for 8 years - so contributory JS/ESA is out !
    I am on medium care DLA
    thanks
    Last edited by 50Twuncle; 24-03-2018 at 12:38 PM.
    • 50Twuncle
    • By 50Twuncle 12th Apr 18, 10:24 AM
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    50Twuncle
    I wrote to DWP almost three weeks ago to get (in writing) exactly how I stand - if I pay, almost 5k in contributions to make up my missing years - guess what ?
    No reply !
    http://www.dailymail.co.uk/money/pensions/article-5600541/Officials-admit-say-state-pension-work.html worries me somewhat.....
    Any sign of the legislation re Ill Health Pensions - pmlindyloo ?
    • pmlindyloo
    • By pmlindyloo 12th Apr 18, 10:53 AM
    • 11,899 Posts
    • 13,756 Thanks
    pmlindyloo
    I wrote to DWP almost three weeks ago to get (in writing) exactly how I stand - if I pay, almost 5k in contributions to make up my missing years - guess what ?
    No reply !
    http://www.dailymail.co.uk/money/pensions/article-5600541/Officials-admit-say-state-pension-work.html worries me somewhat.....
    Any sign of the legislation re Ill Health Pensions - pmlindyloo ?
    Originally posted by 50Twuncle
    Occupational pensions are treated as income and reduce any income based ESA?JSA for .

    https://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/689994/dmgch51.pdf

    51050

    Have you decided to go down the JSA route rather than the ESA route?
    • t0rt0ise
    • By t0rt0ise 13th Apr 18, 7:17 AM
    • 3,095 Posts
    • 1,945 Thanks
    t0rt0ise
    I wrote to DWP almost three weeks ago to get (in writing) exactly how I stand - if I pay, almost 5k in contributions to make up my missing years - guess what ?
    No reply !
    http://www.dailymail.co.uk/money/pensions/article-5600541/Officials-admit-say-state-pension-work.html worries me somewhat.....
    Any sign of the legislation re Ill Health Pensions - pmlindyloo ?
    Originally posted by 50Twuncle
    Ask on the pensions section of the board. They will tell you if paying past years will give you anything. Mostly paying years before 2016 won't do a thing so don't pay without advice.
    • WhenIam64
    • By WhenIam64 13th Apr 18, 7:55 AM
    • 50 Posts
    • 26 Thanks
    WhenIam64
    When you say a "problem" because you are short 8 years, have you checked your State Pension Forecast online - which you can do now. https://www.gov.uk/check-state-pension

    AFAIK it is 35 years now and not 40 but the forecast will tell you.
    • 50Twuncle
    • By 50Twuncle 16th Apr 18, 11:46 AM
    • 8,600 Posts
    • 2,043 Thanks
    50Twuncle
    When you say a "problem" because you are short 8 years, have you checked your State Pension Forecast online - which you can do now. https://www.gov.uk/check-state-pension

    AFAIK it is 35 years now and not 40 but the forecast will tell you.
    Originally posted by WhenIam64
    I finally managed to access my records on-line !


    Summary

    32
    years of full contributions
    13
    years to contribute before 5 April 2030
    6
    years when you did not contribute enough
    • p00hsticks
    • By p00hsticks 16th Apr 18, 12:21 PM
    • 6,416 Posts
    • 6,951 Thanks
    p00hsticks
    I finally managed to access my records on-line !


    Summary

    32
    years of full contributions
    13
    years to contribute before 5 April 2030
    6
    years when you did not contribute enough
    Originally posted by 50Twuncle
    This sounds like your NI record - have you also got a state pension forecast ? This should tell you the monetary amount your current NI record will get you in terms of a pension.

    From what you've said so far, as a civil servant you'll have been contracted out for some time, so your 'starting amount' calculated at the point the new State Pension was introduced was most likely using the old calculation, and as you had over 30 years NI would be around 120.

    In this case, getting any pre-2016 NI credits wouldn't increase your pension amount.

    Each NI year you can buy/get creditted from 6/4/16 up to 5/4/30 will increase your pension by 1/35th of the full amount (so around 4.70 a week) until it reaches the maximum - currently 164.34).

    Your state pension foreast will confirm your current value and tell you how many more years you need.
    Last edited by p00hsticks; 16-04-2018 at 12:23 PM.
    • 50Twuncle
    • By 50Twuncle 16th Apr 18, 2:59 PM
    • 8,600 Posts
    • 2,043 Thanks
    50Twuncle
    This sounds like your NI record - have you also got a state pension forecast ? This should tell you the monetary amount your current NI record will get you in terms of a pension.

    From what you've said so far, as a civil servant you'll have been contracted out for some time, so your 'starting amount' calculated at the point the new State Pension was introduced was most likely using the old calculation, and as you had over 30 years NI would be around 120.

    In this case, getting any pre-2016 NI credits wouldn't increase your pension amount.

    Each NI year you can buy/get creditted from 6/4/16 up to 5/4/30 will increase your pension by 1/35th of the full amount (so around 4.70 a week) until it reaches the maximum - currently 164.34).

    Your state pension foreast will confirm your current value and tell you how many more years you need.
    Originally posted by p00hsticks
    It is combined on my State Pension Summary
    Apparently - I can receive an absolute maximum of 164.35 per week if I can obtain another 8 years of NI contributions - I currently have 32 years worth 128.12 per week
    So that's clear to me now - I need 40 years NI conts to get max state pension
    next - I need to get an appointment with JCP to try to get them to pay them for me
    • 50Twuncle
    • By 50Twuncle 8th Aug 18, 9:20 AM
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    • 2,043 Thanks
    50Twuncle
    Update....
    I finally received written confirmation from DWP and have asked JCP how I claim CREDITS ONLY NI contributions - they have sent me a link to claim UC on-line
    But this link also requests my wifes details (why ?
    what has my NI to do with my wife ?)

    Is there no way to claim NI credits based on ESA ?
    Because, although I will not be entitled to claim ESA (savings being too great) - I do meet the criteria to claim the benefit....
    • poppy12345
    • By poppy12345 8th Aug 18, 9:46 AM
    • 3,589 Posts
    • 3,447 Thanks
    poppy12345
    If your area is a full UC area you won't be able to claim ESA. They ask for your wifes details because you claim as a couple.
    • 50Twuncle
    • By 50Twuncle 8th Aug 18, 10:06 AM
    • 8,600 Posts
    • 2,043 Thanks
    50Twuncle
    If your area is a full UC area you won't be able to claim ESA. They ask for your wifes details because you claim as a couple.
    Originally posted by poppy12345
    Even though it is only MY NI credits that I am after
    OK I tried the on-line form and was got stuck at the point on the on-line UC form that asks "Does your condition restrict your ability to work or look for work?"
    Because it DOES
    Yet - it assumes that since I said YES - I am unable to work - but I do work - 10 hours per week - what do I do next ?
    It won't let me continue without "fit note" details
    I do not have (or need a fit note)
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