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

Bugger. I have nine incomplete years and only two I can make up the shortfall on as the others have timed out. Can't decide if by 2049, when I'm eligible, we'll even have a functioning state pension (or state!)

4 years missing, when I was at university.

Although I was working for 3 of those years, but didn't pay any NI as I remember they used to pay us weekly up to the limit for paying NI, then we got the rest as backpay at the end of each term in a lump sum. I wasn't really thinking about any effect on my pension at the time though!

No missing for me. No uni and took maternity leave

I've paid 27 years. I missed 4 years when I lived overseas but I have 20 working years left. I believe you need a minimum of 10 years to claim any of the state pension and 35 years to claim the full pension though so I'm not stressing about paying for those missing years.

43 years of contributions, 3 years missed when I was at university and 2 more still to do to get a full pension as I was contracted out.

Why would I have been credited for uni?

Those are my missing years.

How do you know how many years you need for state pension? I was a stay at home mum
for 10 years and now trying to work out whether it's even worth attempting to get enough years under my belt ...

I've got some broken years from before I had kids and was studying or working part time as well as some time off to travel/ party but I've got time to get enough years.
I think child benefits have protected mine since? Or tax credits/ UC top ups maybe? Not sure but not had any breaks in mince since I had my first DC and the only constant has been child benefit

8 years according to the summary - however two of those I was still in school (sixth form), then a 4 year degree, later a 1 year PGCE and 1 year living/ working abroad.

Still more than enough working years to make it up though.

Grandprixmad · Today 19:58
I believe you need a minimum of 10 years to claim any of the state pension and 35 years to claim the full pension.

That's correct, and remember between 2026 and 2028, the State Pension age will rise to 67.

I checked this today. I am nearly 47 and the only years not complete are three back in the 90s when I was studying. I have 27 years complete so far. I'm in receipt of chid benefit and have also been paying voluntary contributions of NI when self-employed. But also not sure that there will even be such a thing as a state pension when (if!!) I retire.

Im 52. I had 6 missing years, only two of which I could pay back as the others were too long ago. After paying that I've got 30 years of the 32 required now. But as the eldest is now 12 and I no longer get NI exemption for him I will need to pay those two years myself as the opportunity arises (I understand you can't pay in advance). I've made a note in my calendar so I don't forget next year!

If you were claiming child benefit you should still have the credits for those years

Read this if you want to understand what this means for you.

www.moneysavingexpert.com/savings/voluntary-national-insurance-contributions/

This website is really helpful to explain what and how to check:

www.moneysavingexpert.com/savings/voluntary-national-insurance-contributions/

3 years from paying Married Women's contributions in 70s. Unrecoverable. But some payback was possible.

X posts!

Ignore last post, I can see it's on gateway.

24 years paid. None missing

I’m early 40”s and have only missed one year since I was 16, in my 2nd year of uni. One page on the gov portal says I need to earn another 8 years but another says I only need 4 years. Confusing but I’m not likely to retire in the next decade so not an issue.

I just checked and I'm on track.

I'm 30 and I have 13 years, I worked whilst in sixth form and uni. I also made sure to claim child benefit when I was on maternity even though I don't get the money to ensure I didn't have any gaps? Is that not what everyone does?

I'm the same age as you.

I'm preparing for retirement to be a thing of distant memory when I reach my late 60s.

I’ve got 2 missed years when I was at Uni. I don’t understand how I have full years from 16 to 18 when I was at college but missed years at Uni.

How come some of you have missing years when you were at uni? I have no gaps, went to uni for 3 years, and have 22 full years. No extra contributions made.