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

arh ignore me. It is 35 years. I misinterpreted something on my record.

5 years: 4 for my undergrad degree; and 1 of the 2 years of postgrad. I've still paid enough years to receive the full pension, although this is now 67, and not 65 , like it was just a year ago :(

They are reportedly putting it up from 67 to 68 in the april budget

im never getting there at this rate!

They are reportedly putting it up from 67 to 68 in the april budget

That rise has already been scheduled. However, they may bring forward the date that it is implemented.

It'll give you an extra year to make up your contributions though. 🤣

Sorry. It's not funny.

I have the four years I was at Uni as “not full”, although I did pay some through part time work etc.

However these years don’t seem to matter because my forecast is to get the full amount iyswim.

I can’t see where it says when I’d have to keep paying til to get the full amount though, only what Id get if I retire now.

Interesting thanks for sharing.
I’m also 4 ‘not full’ years at Uni but as I’m on 28 yrs accrued already and only 48 i’ve got plenty of time to clock up other 7 I’ll need.

It certainly will 😀

68???????????????????????????????????????????????
Why can't I retire before then-this is so grim -unless i "retire" but still do part time work, but I can't afford this 😡

3 years while at uni are 'not full', too late to top those up but I've got 25 years left to work before retirement and 10 years of contributions to make.

None. I'm surprised that's unusual to be honest? I haven't been out of work for longer than 6 months and that was only once. Have had 2 children and back to work after maternity both times.

1. 4 at Uni and then the next 2 not quite enough. Really pissed off.

No gaps at all I'm nearly 40

4 at Uni and then the next 2 not quite enough. Really pissed off.

If it isn’t too long ago, and you have the money, you could top up the two not quite enough years.

Will it matter though Oakbeam? Have you got loads of years left to work?

Will it matter though Oakbeam? Have you got loads of years left to work?

In my case no. I retire early with two years short. I’m not going to top them up until nearer my state retirement age. If I do it earlier, knowing my luck, I’ll get hit by a bus the day after.

However, my post was in response to Oblomov23

*retired

None, 50 years of work, 2 children, but never missed a year.

@rebekahnorris yes sorry I meant I had 21 years left to make up the deficit.

No gaps. 23 years paid in full (I’ve just turned 39). I worked throughout uni. Do you still get full state pension if you have your own private pension as well?

43 years, no gaps. 8 years to go til I qualify for my pension. Sigh.

Looks like my 5-ish years as a single mum on benefits have been credited, and I've had extra credits through the years when I was working but getting topped up with what became tax credits (it was family income supplement then, I'm old!).

I'm puzzled though because my record starts when I was 16 and I have full credits for the 2 years I was in 6th form doing A-levels. I was expecting it to have started when I started work at aged 18 (didn't go to Uni).

1 year incomplete
16 years of full contributions
18 years of credits still needed (17 because we're nearly in April)
35 years left to contribute

I am so incredibly tired and burnt out. Working another 17 years feels impossible, let alone waiting 35 years to retire!

I'm another one who doesn't understand my credits, although I'm not complaining. Like pp, I also get credits for when I was 16-18, I was doing A levels. I had a little Saturday job but I doubt £7 a week got me anything!

They have given me credits for when I was at home with the children, although I worked when they were older. And then there are some years which say "72 weeks" worth of credits instead of 52 weeks, what's that for??? I've never had high paying jobs or anything....however, it all works out to 47 years' worth and my predicted pension forecast (I can retire in 2 years) is actually higher per week than the statutory state pension. I know I will get the full amount as I have never had a private pension and so never ever contracted out, but there appears to be some extra ££ on there that I didn't expect. Something to do with SERPS but what is/was that??

@HollywoodTease and @MeanderingGently it looks like between 1975 and April 2011 people got three years of "starting credits". Not sure why, but it looks like younger people will have to have more years of paying NI/claiming benefits than those who turned 16 between those dates
www.gov.uk/hmrc-internal-manuals/national-insurance-manual/nim41210

1975 and April 2011 people got three years of "starting credits". Not sure why

It was so that people who stayed on at school rather than leaving as soon as they could to work weren’t disadvantaged.