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  • FIRST POST
    • gall10
    • By gall10 7th Nov 18, 2:40 PM
    • 7Posts
    • 0Thanks
    gall10
    Waspi trying to maximise state pension
    • #1
    • 7th Nov 18, 2:40 PM
    Waspi trying to maximise state pension 7th Nov 18 at 2:40 PM
    Good afternoon everyone
    First time poster so a little bit nervous!!
    So...worked in public sector 44yrs. Online state pension forecast £135/week
    I am trying to maximise state pension & know each extra year worked will have increase my pension by a few quid (now that thereís no contracted out rate).
    My last estimate was based on NI contributions up to April 2018.
    If I give up work niw will I get any benefit from the 9 months contributions I have made this financial year? Or will it be beneficial if I leave at the end of the financial year I.e.end of March? Iím unsure if part-years count!!
    When I joined public sector pension scheme I wasnít given the option to Ďopt iní In a dream world could this be mis-selling? 😉
    Many thanks to anyone who replies...I find the whole of this site fascinating!
Page 2
    • Silvertabby
    • By Silvertabby 10th Nov 18, 11:25 AM
    • 3,508 Posts
    • 5,177 Thanks
    Silvertabby
    State retirement date Oct Ď22. Not sure if I can pay NI after that???
    Originally posted by gall10
    You'll only be able to pay up to and including full financial year April 2021/April 2022.

    ADD: Before someone picks me up on it, DWP may accept your payments from April 2022 to October 2022 - but they won't add a further penny to your State pension.
    Last edited by Silvertabby; 10-11-2018 at 11:27 AM.
    • Tom99
    • By Tom99 10th Nov 18, 12:18 PM
    • 3,091 Posts
    • 2,145 Thanks
    Tom99
    You'll only be able to pay up to and including full financial year April 2021/April 2022.

    ADD: Before someone picks me up on it, DWP may accept your payments from April 2022 to October 2022 - but they won't add a further penny to your State pension.
    Originally posted by Silvertabby
    Crooks, they accepted £740 from me when they knew I was due a credit for that year.
    • p00hsticks
    • By p00hsticks 10th Nov 18, 12:56 PM
    • 6,536 Posts
    • 7,083 Thanks
    p00hsticks
    Either Kidmugsy and I have been to the same hospital recently or someone walking about with the tea trolley is more common than you might think.
    Originally posted by jamesperrett

    I suspect it's quite common, but often carried out by volunteers rather than paid employees
    • p00hsticks
    • By p00hsticks 10th Nov 18, 12:57 PM
    • 6,536 Posts
    • 7,083 Thanks
    p00hsticks
    Crooks, they accepted £740 from me when they knew I was due a credit for that year.
    Originally posted by Tom99

    If that is the case, you should be able to get your payment back - someone on this board has certainly managed to in the past, although I can't remember how they went about it (and being pedantic, I believe it's HMRC that deal with the payments, not DWP - which is why they may not be immediately aware that you are being creditted via DWP) .
    • Tom99
    • By Tom99 10th Nov 18, 1:50 PM
    • 3,091 Posts
    • 2,145 Thanks
    Tom99
    If that is the case, you should be able to get your payment back - someone on this board has certainly managed to in the past, although I can't remember how they went about it (and being pedantic, I believe it's HMRC that deal with the payments, not DWP - which is why they may not be immediately aware that you are being creditted via DWP) .
    Originally posted by p00hsticks
    Yes I got the money back after a letter and a couple of phone calls.
    But I only knew I was due a credit from a poster on this forum. My state pension forecast and a letter I received both said 2017/18 was a year which needed to be paid for.
    • Triumph13
    • By Triumph13 10th Nov 18, 4:37 PM
    • 1,382 Posts
    • 1,833 Thanks
    Triumph13
    cross posted
    • Terron
    • By Terron 13th Nov 18, 1:52 PM
    • 347 Posts
    • 293 Thanks
    Terron
    Either Kidmugsy and I have been to the same hospital recently or someone walking about with the tea trolley is more common than you might think.
    Originally posted by jamesperrett

    I have seen such people in my local hospital, but I don't know whether they are employed or volunteers.
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