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

If you had a job through university or during the holidays you may have paid enough NI for that period (or even been credited if you were too lowly paid to pay actual NI).

Never heard of government gate way

None. Been in full time work since I was 16 and only took paid maternity leave.

NI is paid for you if you are in sixth form, but not when you are in uni. I think that some uni courses which are more vocational and therefore you are actually working and studying may qualify for NI, but I'm not sure.

www.gov.uk/check-state-pension

I have one year missing. I think I may have been in full time education for a bit and then doing a job with not enough hours

queenofthewild · Today 19:43
I was living in Europe.
When I returned I was advised it was fine because I'd paid into another EU country. I suspect now we are no longer part of the EU I've lost those contributions.

Contributions paid in other countries have NEVER counted towards your N.I. record in the UK. They may entitle you to some pension in the country where you paid in, but that would depend on that country's rules. In the UK, for example, anything less than 10 years N.I. contributions gets you nothing.

I had one job for 2 or 3 months during one summer holiday. I doubt that was enough NI? If I am planning to work full time for the next 8 years do I need to worry?

It is complicated. You may pay no NI at all, but still be 'paid up' because your employer has to pay it. The critical pay range anyone earning between £123 and £242 a week. If you are in this bracket you pay nothing, but your employer does.

24 years paidin full, 2 years missed.

26 years to go 😳

1 partial, 0 missing.

I have zero gaps in mine - I’m 46 now

1 year when I was at uni. I'm 39 with two children and took extended unpaid maternity leave after the second but that hasn't shown up as a missed year

I’ve only missed one year since I was 16, I’m 35 now. I went to uni and worked part time, got paid enough to qualify for those years, also had DC. I will have the full amount completed by the time I’m 52 which is good as I’m planning on retiring early.

None.

If you are claiming child benefit your NI is paid for you, so anyone who is a SAHM or who was off on extended maternity will be paid up for those years.

Anyone know what the threshold is for it to be classed as a full year? I have a year where I only worked for 2/3 months as I then went travelling but it’s recorded as a full year. Whereas the 6 weeks of a summer job at uni is not enough.

Hi don't have to work ft - pt also builds up contribution.

I have three missing years from when I was at uni, one partial year (although I dispute it as I claimed CB but not going to bother) and that's it, rest are all full years. Am 54, have three more years of contributions to get to the magic 35, fully intend working for the next ten.

I'm confused about people saying they missed years as they were at Uni. I seem to have been credited for my Uni years. There was one year when I seem not to have paid enough, can't see why, it wasn't the year when I was made redundant and didn't work or claim for 3 months from choice. Its far too late now, I'm retired and had 44 years in.

I’m 36 with 2 kids - I have 19 complete years and 1 partial year in 2006.

I have 30 more years in work and only 15 to make for full state pension (if it exists by then)

So far only 1, but it will change soon and will probably miss another 1 or 2.

I didn't go far enough into my record. It says I have 4 years where I didn't contribute enough, and have 28 years of full contributions, with 19 years still left to contribute in. It also says it's too late to make contributions for those 4 years.

37 years full contributions
1 year to contribute (won't do it, not worthwhile)
12 years did not contribute enough ( I spent several years overseas)
I've "topped up" the missing years a few times so that now I've got a full pension of 185.15 per week (when I reach 66).
I've also got another "state" pension and a couple of small work pensions so that needs to be taken in to account when counting years.

2 years while at university. 25 full years. Aged 43.

I haven't missed any. Got 13 years left to get though.