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

Maybe I've not earned enough to pay enough? some years would have been due to child benefit.

I checked this the other day, made for an interesting read. 3 years missed at uni, one of which I can top up if I want to(still debating if I should) so that’ll take me to 2 years missed at 39 but still many years more than likely to still be working before I draw from anything at all. I’m still dubious that there will be anything left to draw from by the time I retire….

I'm 43 and have 27 years of contributions, and no missing years. I worked from 16 to 19, then I had my first dc, then claimed carer's allowance, and I had another dc last year so child benefit will cover the remaining years. Had dc when I was at uni and doing postgraduate so no missing years from that.

43 years of full contributions
4 years to contribute before 5/4/26 but says I've got full pension to come - so if I do t Pat the 4 years to 2026 will I lose any pension if I've got 43 years in ? I'm guessing not. I should know this stuff really
3 incomplete years - 1 was 79/80 when I was definitely working full time though probably earning about £25 a week !!
2008/09 & 2009/10 are not full but that was when I was starting out working for myself

YerAWizardHarry · Today 20:45
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…

Under current rules, if you already have 11 years, you need another 24 for a full pension (35 in total). If you work beyond those years, you will still pay N.I., but it won't increase your pension. As things stand (ie. already legislated for) your pension age will be 68 - but government can, and most likely will, 'move the goalposts'....so 68 should be considered a 'best case' scenario.

If you have any spare cash (I know!) you can top up years you've missed if they are recent. Or plan to top up future years. I'm 17 years short because I moved abroad but I can make up to full pension by paying something like 800 pounds every year for the next 17 years.

I think it’s me not understanding it.
I have 9 years contributions to make before 2051 to get the full pension, but 29 years left until I can retire and claim my pension?

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!

You're misunderstanding the info.

You only need 35 years. If you have 23, you only need another 12 years.

The 28 left to contribute is the max number of years you possibly could contribute before you reach state pension age...but you only need 12 of those.

No I'm being stupid and read the wrong page. I'm an idiot.
I only need 10 years of payments. Oh that is a relief.
I think (but please note my first sentence) we have 29 years within which to pay 10 years worth of contributions...

I think

5 - whilst I was Uni & just starting working in lots of temp jobs.

I'm relieved as I've had several years working part-time, & self-employed. I need 10 years more to make the full-amount & 25 years to do it in.

None, I'm 44 and have 28 years of contributions

19 full years, two partial, none missed.

It's too late to top up the partial as they were while I was at uni but I've got 13 years left to go and I won't be able to claim my state pension until I'm (I think) 68, so I've got plenty of time given that I'm not 40 yet!

33 years paid, 4 partial when I was overseas and in university. I was self-employed for 7 years and am glad I paid the voluntary NI.

Just sorted mine out before the time frame to pay missed years reduces to 6 years on 5th April .
I have 24 full years , but then worked part time in various jobs at the same time , and the NI limit is per job unlike tax , as such I will be 11 years short , with 15 years until retirement, so I’ve paid up 2 years where I had partial contributions as they were cheaper and will keep an eye on it year by year now .

3 years missing from university. 24 full, need to make up 11 more in 14 years.

Have paid in 18 so far, but six are incomplete. Too late to pay voluntary contributions for three, but there's time to consider paying voluntarily for the other three missing. Got 28 years of contributions to make before state pension entitlement.

I’ve just learnt today on the other thread about lots of people having more than the 35 years but still not getting the full pension because they contracted out when they were younger. I’ve got 35 years but I need to double check now, I’ve got enough. I really didn’t realise this. I thought 35 years was 35 years!

28 years to make up by 2050.

3 years missed at uni, 23 years of full year contributions, 8 more to go to get full state pension and 24 years in which to do that in. Not the most exciting thing I’ve typed today.

If someone is medically retired, does the GOV pay it on our behalf?

3 at uni

Not bothered by it as it says I only need 2 more full years to get the maximum state pension and I have 18 years to do it in.

Retirement age 68😫 doubt I will still be alive to draw a pension by then. Government will be counting on this.

You can only use the government gateway if you have photo ID, does anyone know if there is another way of finding out?

I'm confused. I have 26 years of contributions. Four missed due to uni, 2 missed living abroad and then two years when we returned to the UK but I didn't realise our child benefit claim had been cancelled.

However it's telling me that I need to contribute another four years to get the maximum amount of £185.15 and that that's the most I can get and I can't improve my forecast any further. That only gives me thirty years not thirty five 🤷‍♀️ Can anyone explain please?

I don't understand this.

Ive missed 1 year NI contributions, yet people are saying that degrees etc count towards no contributions.

Ive got three degrees and was on benefits as a single parent for a couple of years so I was expecting my missed NI contributions to be enormous.