To ask how many NI years of contribution you’ve missed?

[HedgeRin]

Conversation here between women- our theory is most women have missed a lot for various reasons. We don’t know anyone who actually made the full amount.

Im the lowest missed. So far three (all years of mixed studying and work, end of school, end of degree, end of masters). Overall I’ll go on to miss more in the future after the children turn 16 I reckon.

Friend one has 6 years earning under the limit.

My mum has missed 7 for various reasons

Friend two, self employed doesn’t want to check, but reckons it isn’t positive

No gaps on mine which i weird because I was on stat maternity pay for 6 months a couple of years ago...

@Halfcenturytoday are we the chosen ones?! 🤣

No years missed. 45 years and counting paid.

I have logged in and it tells me how much I will get when I am 67 but it doesn't mention anything about years missed. How do I see that? I only worked on my final year at uni and had a yea rand a half abroad after uni.

You can also pay to top up for future years if you stop working. For example I now live abroad and it is unlikely I will work in the UK again. But I’m going to pay the 800 pounds a year every year for the next 16 years to make up my full pension.

www.gov.uk/check-national-insurance-record

www.gov.uk/check-state-pension

No this was way before that. I think I’ll phone them back at some point - just need to psych myself up to it 😂

@Schnooze @CharBart

The COPE amount isn’t deducted from the state pension figure. It’s a pretty useless number that just tries to explain where some of your private pension comes from. You don’t have to deduct it from anything or add it to anything.

See a more detailed explanation here: www.theprivateoffice.com/pensions/state-pensions

‘To clarify, your COPE is not deducted from the State Pension figure shown in your personal State Pension forecast.

It is simply provided as an indication of the additional retirement income you may receive in retirement from your Contracted Out plan.’

None missing after logging in which I am pleasantly surprised by as I immigrated here almost 20 years ago so didn't do a full year my first year and have had 2 children and mat leaves.

Not sure how reliable gov.uk is? I moved here on 2008 so the previous years say 'year is not full' but then somehow 2001-2003 show 'full year'? How?

2 missed years while at uni.

2 I believe, I need to check!

Worked since leaving school, except to be a SAHM for many years. Wasn't back to work until DS2 was 12, and even then didn't and still don't work enough to pay a contribution, so believe that means I'm currently 2 years short.

None. I worked since I was 18 but even when I went to uni at 25 I was claiming child benefit so you get NI contributions for that time (3 years) In total, I’ve got 22 years.

I have 21 years,missed 4,have 21 years left to contribute.

I think the government gateway information is not as clear as it could be. When I go in I see the £185 a week very clearly with 8 year’s contributions to make which is fine.

I’m not sure if people are seeing different things depending on their circumstances, but it seems very clear to me. In big letters it tells me the most I can get… £185. Then, in slightly smaller letters, how much I will get based on my current contributions… £175. Under that it tells me that I need to contribute another two years before my retirement date to get it back up to £185.

@Hazelnut5 thank you! That was the part that was confusing me.

None. Worked every year since 17.

I have 4 missing years from uni in the 1980s. I also had 2 incomplete years from recent part time working (due to ill health). It cost me £12.47 and £6 to make these full years. I have 36 full years but still need to pay an additional 2 years to mitigate a period of time when my occupational pension was contacted out. Each additional year make £5 per week difference to my state pension. In two years ( including this year) I will have the full £185 per week when I retire in another 10 years!

Thank you @BrigitteBond

Very interesting. I have missing years for dates I was in full-time employment which says to me that my employer at that time wasn't paying my NI or tax. They're long gone now but still. What a crook.

They may just have used an incorrect NI number for you.

Thanks for this @AnotherEmma. I couldn’t find the info!

You get credits with children 12 years even if you don’t work.

I thought you only need to do 35 years ? Is that right?