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

None. Full record since 1976 no wonder I feel knackered 🥴 I worked through uni and got credits when I was a SAHM.

I am short 5 years, just about to buy one of those years, I’m 53

i wont get the full pension (should i live long enough or it still exists) due to this opting out of serps business

annoyingly, i only have a personal pension pot of 12k so its a bit irritating that i won’t get the full pension but never mind, it is what it is

What a lot of hard working women. This thread has made me smile. Mumsnet is great sometimes

Age 44 and I've missed none

Took Mat leave only when having kids.
I have worked PT the last 9 years

None

I have 23 yrs full contribution, currently 39 yrs old so have to get another 12 yrs to hit the 35yr requirement for full state pension.

I think people are looking at two different things.

There is the pension forecast which tells you if you are on track , how many years you've paid and how many more years you need to get the full state pension (to get you to 35 years).

Then there's the national insurance section which tells you what years you've missed and how many more you will work until state pension eligible.

Unless you're a company director it isn't the amount you pay in a year that's important but the number of weeks in the tax year that you've paid Class 1 or Class 2 contributions or had a NI credit.

5 apparently at a cost of 4K which I don’t have. It did say I need to work another 11 years though.

You can very easily get the full 35 years without ever paying NI.

45 years of contributions, with last two years ‘not full’ (I only work p/t now and don’t earn enough to pay NI.)
Forecast to get full amount only if I contribute another year.

Im going to ring them up, how is that right - 46 years!

I'm 37 and my state pension age is 68, so I have 31 years to go.
I have 17 full years and 4 missing, which are the 4 years I was at university. Since then I have mostly been employed but did have a period of unemployment (when I claimed JSA so I got class 1 NI credits) and also two maternity leaves (I claimed Maternity Allowance for the first and got SMP for the second, so class 1 NI credits for both).
My state pension forecast says I need 17 more years to qualify for the full pension (as the rules currently stand) and I'm pretty confident that I will manage 17 out of the next 31 years.
I have no intention of giving up work but if I did give up it would be for health reasons or to be a carer in which case I would claim the relevant benefit and get the NI credits.

I checked mine today after the weekly MSE email. I'm an accountant and quite on top of this stuff usually, but my contracted out years working in the civil service say "full", I need to investigate that as I plan on retiring early (at 55, so I have 11 years left to get to 35)

No idea. I was economically inactive for years (supported by DP), and am now on benefits.
I most likely wont make pension age anyway.

Just the years I was at uni. I’ll reach full pension ‘capacity’ at age 55 provided I keep contributing until then.

You'll probably have some years 'contracted out' of SERPS or paying the 'married woman' rate of NI.

43 years old

3 years missing - the uni years. I worked part time but didn't pay enough in.

I'm a 44 year old women and will have more than full years of NI. I've worked and paid NI pretty much every month since I was about 21. Even ok mat leave I paid enough due to my OMO. And mid year to mid year leave to not miss any.

I've not had this discussion with anyone but I have a number of friends who haven't had children so they will have full ni.

A few here and there but already fully qualified for full state and a bit of 2nd as I never opted out but I'm 60 and started working f/t at 15. Unfortunately, I've got another 7 years of working and contributing before I can get it as I've no private pension.

Just had a look at the NI contributions bit, mine says 26 full years. The first couple were when I was still in education and not working? I have 1 incomplete year when I left education but I did get a job so not sure why it's incomplete.

None! 10 more years to go (age 41).

Why can't you claim benefits?
Assuming household income/savings to high to claim UC, and not enough NI contributions to claim new-style ESA, you could still make a "credits only" claim for ESA, ie. you wouldn't get paid anything but you would get NI credits.

None missed now as reached 35 years last year (39 less 4 years gap for uni), however pension reduced for having been contracted out in an occupational pension. I think my record is incomplete as it doesn't tell me how many extra years I need to contribute (12 potential future years) to mitigate the impact of contracting out.

On the next page, after it states the £185 per week full pension, it confirms I was contracted out and goes into details about the Contracted Out Pension Equivalent (COPE) amount - an estimated deduction of £19.83 per week off the full pension that is supposedly included in the occupational pension. No idea whether full child benefit credits have an impact on that part of the contracted out period after first child was born.

This explains it quite well how each year of contributions from 2016/17 wipe out the deduction for a previous year of contracting out and add just over £5 a week to a reduced pension.

https://www.thisismoney.co.uk/money/pensions/article-9176435/How-state-pension-affected-contracted-out.html

I’m 53 and have 31 years, I have hardly ever worked.

Two years not paid enough whilst at university, I’m 47.

School education or uni? If uni, no NI credits, so it depends how many weeks of the year you were working.