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

Very sensible! I’ve upped my private pension contributions significantly six months ago, using the ‘half your age’ percentage of salary rule.

I thought maybe a couple of months between jobs when I was made redundant. I started working at 16. Still worked full time while doing my degree. Now wondering if some of the first few years cld have been under the limit as my first full time job was £6,000 in 2002! I'll need to have a look now.

2 missed years - abroad for one, looking after my terminally ill mum for the other, 20 years before state pension age and 6 years of NI to get full pension so should be ok

I'm 45, full NI payments since 1993. No gaps.

I remember checking a few years ago and it said I'd be fully paid by the time I was 55.5.

I took 2 x year long mat leaves, one under grad degree and one post grad degree.

Same here snce left university have worked continuously apart from a couple of months at the end of 3 x maternity leaves.

I missed 2 years when I was working abroad. I worked part time all the years I was studying (from age 16 to 22) though so all those years counted which is a pleasant surprise.

This is the first time I've checked this! I didn't realise it was something I could do online, so this was a useful thread :)

I'm 54 and I've been working since I was 16 and have paid 38 full years National Insurance with no gaps. Even the years I had the DC are showing as full years, so I assume NI was deducted from my statutory maternity pay.

As I have already paid enough years to get the full pension, I don't think my contributions for the next 13 years make any difference to the amount I will get.

I’m missing 2 years from when I was 16 and 17! Didn’t realise it would have mattered when I was that young

10 years of full contributions
38 years left to contribute
4 years when didn't contribute enough

The 4 years are when I was at uni

I'm just about to turn 40, says I have 23 fully paid with 2022 still to add, I still have another 28 to go! I didn't go to uni, didn't take time off when my son was younger, and I have to works solidly until I'm 68 according to this, so 51 whole bloomin years!

3 years missing from university, too late to pay them up. But I've got 27 full years and another 22 years to go before I retire so I think I'll manage to make up the shortfall. Is it 35 years for a full pension?

you get contributions paid for you if you are claiming child benefit

Mine is full just checked I have 21 years paid. That wld make sense as started working at 16 and now 37 says I need to pay in another 11 years although doesn't include this tax year 22-23 so most likely now another 10 years to go. So I'll end up paying many more years than I need to as I'll obviously still be working in my late 40's!

I’ve missed seven years but am predicted the full amount as still have 25+ years to retirement and only 12 left to pay.

four years uni, two years travelling / low wage jobs to get by, one year when we lived in France

I'm 42 and have 4 years not complete, too late to top them up now though. I think they were months between university, jobs or whatever when I didn't sign on but wasn't working etc.

The last decade is mainly through receiving child benefit

I'm exactly the same. It does say I was contracted out so my starting pension will be lower. I don't remember if I'm honest. But it's very depressing looking at it that way.

None, I am 59.

I’m nearly 40

21 full years
30 years to contribute
1 year I didn’t pay enough

🤷‍♀️

Apparently I’m on course to get my full state pension…

Genuinely don’t understand how this works. I’ve got 11 full years, I’m only 29 and still have 39 years to contribute before April 2061 which is only 37 years away…

I may be being thick.

If I have 20 years left to pay in for the full amount and that would make me 57, is there any benefit in topping up the missed years?

I’m so confused by this. My situation is exactly the same; 39 with 23 full years, but it says I only need 9 more years? I’ve worked since 18.

6 years and I'm not even 30 yet, how is that possible??

@YerAWizardHarry thank you, that explains it :) I did wonder, as I took 9 months off with DS and a year with DD. I remember getting SMP for the whole maternity leave with DS but with DD the last bit was unpaid. I was definitely claiming child benefit though.

So 22 years so far, 26 to go