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  • FIRST POST
    • PM0001
    • By PM0001 16th Apr 19, 6:35 PM
    • 608Posts
    • 444Thanks
    PM0001
    Signing on for NI credits
    • #1
    • 16th Apr 19, 6:35 PM
    Signing on for NI credits 16th Apr 19 at 6:35 PM
    I was made redundant last year after 42 years of NI contribution. As I was "contracted out" with a works pension I have been told I need 3 more years of contribution to entitle me to a full state pension.

    I don't have any gaps as such so I believe my options are to sign on for 3 out of the next 9 years or wait a few years and "top up" (assuming I don't find suitable employment).

    My query is - what constitutes a years contribution? Do I have to sign on every two weeks x26 or are there allowances for holidays etc or if I spent a couple of months out the country?

    Local jobcentre seem clueless so any advice here would be much appreciated.
Page 1
    • t0rt0ise
    • By t0rt0ise 18th Apr 19, 12:41 PM
    • 3,174 Posts
    • 2,000 Thanks
    t0rt0ise
    • #2
    • 18th Apr 19, 12:41 PM
    • #2
    • 18th Apr 19, 12:41 PM
    As far as I can find out you need a full year of credits or a mixture of credits and voluntary payments, so any missed weeks can be paid for. It's 15 a week this year.

    If you were to go overseas for a time your case would be closed here and you would need to pay for those weeks. If however you took a week away in this country your case would likely remain open and you would still be credited.
    Last edited by t0rt0ise; 18-04-2019 at 12:46 PM.
    • venison
    • By venison 18th Apr 19, 8:40 PM
    • 3,134 Posts
    • 4,034 Thanks
    venison
    • #3
    • 18th Apr 19, 8:40 PM
    • #3
    • 18th Apr 19, 8:40 PM
    you need 35 years of NI cont for a full SRP
    If you are not part of the solution then you must be part of the problem.
    • Alice Holt
    • By Alice Holt 19th Apr 19, 7:55 AM
    • 2,962 Posts
    • 3,452 Thanks
    Alice Holt
    • #4
    • 19th Apr 19, 7:55 AM
    • #4
    • 19th Apr 19, 7:55 AM
    1) Get a state pension forecast.
    https://www.gov.uk/check-state-pension

    2) The new State Pension was introduced in 2016. Yours will be a mixture of the old and new scheme. Under the new scheme you may potentially get c. 4.80 added to your weekly SP for each year of contributions post 2016.
    This is a good guide.
    https://www.royallondon.com/siteassets/site-docs/media-centre/good-with-your-money-guides/topping-up-your-state-pension-guide.pdf

    3) Earnings have to be at or above the lower earnings limit to qualify:
    "Lower earnings limit
    The amount of earnings that allow an employee to qualify for certain state benefits (such as qualifying years for the basic state pension). The lower earnings limit is set each tax year by the government. Even if an employee earns more than the lower earnings limit (LEL), he is not required to pay primary, class one national insurance contributions until his earnings reach the primary threshold. In the 2019-20 tax year, the LEL is set at 118 a week. See also upper earnings limit."
    Google LEL and State Pension contributions for more info.

    4) Bit of info on new style JSA:
    https://www.gov.uk/how-to-claim-new-style-jsa
    Last edited by Alice Holt; 19-04-2019 at 9:54 AM.
    Alice Holt Forest situated some 4 miles south of Farnham forms the most northerly gateway to the South Downs National Park.
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