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

Not me but a friend has missed out on 4 years as she didn't apply for child benefit as her DH earned more than £60k not realising that as a SAHM she should have claimed but elected to not receive payment.

I have one year missing during uni.

I'm 38. 19 full years, 3 missing - lived outside of EU in 2 stints.

14 more years to contribute for full pension but not eligible to receive until 2053. Doubt it will be worth anything by then.

0, and will be fully paid up before 50 as long as I keep working over the lel for the next 6 years

Well, because I did temp work throughout my course, so some weeks I didn't earn enough to pay NI.

You get credited if you're raising kids and claim CB, I think, but why would you get credited for going to uni as an adult? I've never heard this.

I've only got 25 full years, but my forecast says I only need 6 more full years, even though I thought I needed 35 so I'm a bit confused as well.

Based on this thread, I actually went to check, and I've missed four years - but those are when I was at university (three-year Scottish UG and then an MSc).

I've now missed the six-year window to top up, but I'm really confused, because I thought you were exempt when in FT education?

None. 38 and have 21 full years

I’ve been notified I’m getting £3.61 per week less than the maximum state pension but I don’t know why I didn’t make the full pension. I’ll have to look into it just for my own satisfaction.

None. I missed a year during my masters but I paid to top it up And have been working full time since.

not popular but I don't know or care

I'm 46, I doubt there will be much return on it, pension age will go up and I'd rather keep the money in my pocket.

Ah, this seems to answer it, and confirms that I should indeed have a gap for when I was at uni.

www.thisismoney.co.uk/money/pensions/article-8818953/Why-did-state-pension-credit-school-none-university.html

Only the time I was at university. I’ll easily have 30 full years by the time I retire.

I paid up as many as I was allowed to - it's about 6 years to break even so, although it was hard, it made sense.
I also had a year missing back in the 80s - At which time I had 2 under 5s so should have been credited. Too late 40 years later for them to do anything about it. Back then we didn't have access like now and there was no way of me knowing. Fucking crap - but having also been shafted over retirement age. (I accept it should be equal and accepted being moved to 64.5 years to then be shafted again at 59 into another year

Crap crap crap

I have 23 years of contributions with no gaps. I’m 39, 2 DC and I got my degree by studying whilst working full time.

I have until April 2051 to make 9 years contributions to get the full pension amount.

To everyone asking how you check, the link is is here

www.gov.uk/check-national-insurance-record

You will need a government portal id (ie. you need to register with the government website if you haven't already), your NI insurance number and then identify yourself - either by using existing photo ID and facial recognition software or by selecting two methods (which are things like your passport number and last date/amount payment to HMRC)

Becuase there have been different rules at different ime afaik

None. I'm 36 and have 20 years of contributions.

Yes, I am sure that the government are hoping many die off before they can draw their state pension.

I’m missing 8 years at 57 and no longer work but luckily I can claim specified adult credits for taking care of my Grandson before and after school so will just squeak by. Otherwise I would have had to pay £6k ish to get the full amount.
I managed to get 4 years credits for being a military spouse abroad in the 1980’s, pure fluke that I found out about it.

52 - missed 7 years - 3 working abroad and 4 while at Uni

Spent an hour on the phone trying to sort this out just this week 🙃🙃 I have about 5 years missed I’d say off the top of my head. (Self employed but mainly SAHM paying voluntary contributions - which clearly hasn’t worked for some reason). I have definitely topped up in the past but the future pensions service says I can’t improve anything any further so they won’t let me top up 😵‍💫 so confusing and annoying. But in any case I’m just trying to focus on private savings and investments rather than HMRC pension!

None

None. The only time I've had out of work since leaving school was when I was on maternity leave with DS, so still employed. Also completed my degree part time whilst still working. I'm 35.

2 years missing, 42 years paid. I don't understand the missing years because I know I was working and receiving Child Benefit at that time.
Not overly concerned as I have enough years paid.