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

2 years when I was a student. One year I didn’t work at all and the other year I was temping over the summer. I’m 36 though, so have many years of contributions to go

I’m 42, I have 26 years of full contributions, 26 years left to contribute and says I need another 7 years. My youngest is 6 so 5 of those I’ll get child benefit credits so 2years after that and I’ll have done that.

You shouldn't need to buy anything. You have 14 years left until SPA and you only need 5 years.

I have 20 years, 9 years missed, and a further 23 years to make up the remaining 15 years of contributions.

I work part time and don’t pay NI

You get an NI credit if you earn over £123 per week.

3 years while I was at Uni and 20 years while I was abroad 😳. Paid back a few years as far as I can but will never get to the full state pension.

I think the problem is you get nothing for part payment - no credits towards a year when you didn’t pay for the entire year. It’s a very unfair tax.
I have missed 9 years. But they are all part payments.

yes i know that thank you 🙂

I have a question, if anyone knows the answer. I have just checked mine and I have a partial year for 19/20 and full contributions for 20/21 and 21/22. However I left the UK in 2017, was in Ireland until 2019 when I went to australia. I went back to Ireland in 2021.

I did hear that someone in my (estranged) family had claimed JSA in my name during covid and reported this to the benefit office as fraud in 2020. Would these contributions come from a JSA claim? Which would suggest that they never actually closed it down after I reported it.

I think I’ve just opened up a can of worms for myself; that’s me not sleeping tonight

I’ve also got 9 missing . I need to switch the child benefit back to my name . Been a SAHM .

I have until 2055 to contribute 24 years worth of NI to get the full pension .

Click on view your national insurance record a bit further down

Thanks @ScoobyBooby

Found it now. Five years not paid. Makes sense. I had a year out before and after uni and three years at uni. But I have 30 years of full contributions and another 16 to get before retirement.

2 years. One partial and one full. I was working part time, then unemployed, then pregnant and had DS1. You don't get HRP for partial years so as I only got child benefit for half the year I got nothing that year as I wasn't working while pregnant.
I have 19 years full contributions and another 31 to go so no need to top it up.

I have 24 years and 10 years to go until retirement but my pension forecast suggests the most I'd get (using today's figures) would be £179 per week, when a full state pension is about £210 per week. I need to find out why but have spent 3 X 1 hours waiting on the phone before the call hangs up. Pigging annoying.

But what's even more annoying is I also have 15 years full time work history in Australia for which there are no reciprocal contributions, and I can't claim a sous from Australia.

DH is in an even worse position than me with 20 years contributions, 3 years until retirement and 23 years work in Australia for which he's entitled to nothing.

4 years. While I was at Uni. Too long ago to pay for now annoyingly

I have over 20 years to keep earning qualifying years.

I think I'm 13 years short

I'm 47 and have worked since I was 16. 31 years, no gaps in my record (despite 3 kids/2 mat leave periods)

Zero.

I'm 37 and worked PT through A-levels and university. Have been in FT employment since university and was paid my full salary during my maternity leave.

24 years and 10 to go is 34 years, so one year short.

Current full pension is £185.10 pw for 35 years contributions and you lose 1/35th of that (£5.29) for every year short of 35 years - so that's your £179.86 figure.

And the £203.85 pw doesn't start until April, so that's why it's basing your figure on £185.10.

I’m 47, I have no missed years. Any years where I earned under the limit, I’ve had child benefit and also self employment contributions as I’m a partner in my husbands business. I studied both my degree part time whilst working and have 4 kids though.

Brilliant - thank you. That's saved me another wasted day trying to get through on the phone

I think it depends on your age. I'm not sure of the exact bandings but my record said I need a total of 40 years. It might be if you are under 45 now.

I’m 37 and missed 10 years.
6 years until I got first job aged 22
Then another 4 when I later did a Masters and phd.