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Anyone continuing to pay their NI contributions whilst not in paid employment?

(7 Posts)
PuffTheMagicDragon Thu 03-Feb-05 11:05:49

I've had a letter about this from the Department of Work and Pensions, saying that my state pension may be reduced if I don't keep the contributions up whilst I am at home full time with my children.

I'm just wondering if anyone is keeping up their payments and if so how much they are each month.

Carla Thu 03-Feb-05 11:07:47

OMG WHY???? I thought the govt. paid it for you?????

Ameriscot2005 Thu 03-Feb-05 11:10:34

I thought you didn't have to worry about it while you were in receipt of Child Benefit.

I missed almost 4 years of contributions when I was living abroad, but when I researched it, it seemed that I was allowed closer to 10 years off without it affecting the pension.

butterflymum Thu 03-Feb-05 11:20:48

I always thought this covered women at home bringing up children under 16yrs (but have also had my doubts). Await others thoughts with interest.

iota Thu 03-Feb-05 11:21:51

Puff you should get Home Responsibilities Protection (HRP) if you are in receipt of child benefit - which credits you with contributions

iota Thu 03-Feb-05 11:22:38

aha - butterflymum has got there before me

PuffTheMagicDragon Thu 03-Feb-05 11:43:08

Thanks folks, I went into a blind panic when I saw suggested payment of "shortfall" of £360 for the tax year 2002/3!

The HRP reduces the number of qualifying years you need for a full basic state pension by up to 50% apparently and if you were awarded child benefit and if you are not working and your wages are less than £75 a week, HRP covers you.

I've also rung the Inland Revenue on 0845 3000168 for what they call a "pension forecast", just to make sure I am still on track for the full state pension.

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