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

332 replies

HedgeRin · 01/03/2023 19:34

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

OP posts:

BMrs · 05/03/2023 09:45

Just checked and I've not missed a year as of yet. Got 20 years to contribute another 11.

Schnooze · 05/03/2023 10:22

MeanderingGently · 05/03/2023 03:13

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??

How much does it predict? That sounds strange.

Oakbeam · 05/03/2023 11:20

How much does it predict? That sounds strange.

The system changed in 2016. The extra amount will reflect pension credit built up before that date under the old system.

OrangeBlossum · 05/03/2023 11:32

None, I've always worked

JesusMaryAndJosephAndTheWeeDon · 05/03/2023 14:57

Oblomov23 · 04/03/2023 16:03

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

Why are you pissed off? That number missed isn't significant in the scheme of things.

lifekeepsgoing · 05/03/2023 17:11

I wonder if I will get anything if I am living overseas? I must have paid in maybe 15 years so will that amount to any pension at all?

Isleoftights · 06/03/2023 21:16

If you have paid in a minimum of ten years to the UK scheme, then yes you will get a UK pension, proportionate to the number of years you have paid. Anything you might have paid into the schemes of other countries, doesn't count towards a UK pension.

Flip

1 2 ··· 9 10 11 12 13 14

Swipe left for the next trending thread