To ask how many National Insurance credits you have?

[CatteryCatz]

I’ve just turned 29 and I have 7 National Insurance credits (full years).

I thought it seemed quite bad, but I worked part time at uni, but didn’t meet the threshold for credits for those years. All of my years are full since then.

It’s a shame that National Insurance credits aren’t given when at uni/college.

I'm 62 and have 45 qualifying years so far.

From 16 to now, the only year I missed was the year I took my finals. I even managed enough hours during both years of my 6th form although I didn't realise it at the time. 😁

Assuming the funds contribute to the NHS as well as pensions, I've had one labour/birth, one emergency op, one set of cancer treatment and one minor op, so I don't mind going over the 35 years. It's good value.

The most impressive I know of is the manager of our local ATS who has worked there for 56 years. He is now 71 and still doing 3 days a week. 😮

I don't think I'll equal that.

He won't be still paying NI though. That stops at state pension age.

Age 54 and 35 full years. Will retire later this year. Full state pension when I’m 67 🥱

I'm 61. I have 33 credits. I've more full years than that because I was contracted out for a while. That incudes the 16-18 credits @LynetteScavo mentioned which were a nice surprise. Apparently they were abolished in 2010. (Thanks Google)

52 and 34 years. So a full state pension in 15 or so years seems within my grasp.

OP was your degree particularly long as I got my years made up for when I was still at school, then had a gap during my degree when my part time earnings weren’t enough?

55 and full credits. They used to give full credits for university years when I was 18-21. Still won’t get it till I’m 67 though!

Have you checked that you have the number of years needed on your personal government gateway account?
The 35 years only applies to people stating their working life from 2016 onwards. You may need less or more. It can range from 29 - 49 years for anyone working before 2016

I have 33 years and have years when I didn't work at all. I'm 52 now. Lots of automatic credits for child benefit. It's not anything to think about now, plenty of time.

Yep all correct on Gov GW. Started getting NI credits in 1987.

Is that right? I started working in the early 90s and require 35 years.

I don’t think Rainbow is correct in this matter

That is probably just a coincidence, it can be anything from 29 to 49 depending on individual circumstances, eg if you were contracted out. A calculationwas done for everyone in 2016 which determined how many years they would need for the full New State Pension.

Blimey, I've got over 40 years, but I started working at 17 - 5 years earlier than you. It's a shame that people can't take their pension when they've put enough in.

54 and only 4 yrs left to pay! Not sure how that worked out.

I’m 48 and have all of my qualifying years already - I didn’t start work as early as you either. I’m sure there was a change (I googled and it was 2016) but you should have already reached your full whack already. Check your record if you are concerned although we both have plenty of years to go anyway.

edited to add some posts crossed while I was writing my post

I have 40 years credits but I'm 63. I'm still gaining more each year now.

You can think whatever you like but I can assure you that if you were born before 2000 you would have had a calculation done at 2016 which determined how many years you needed, some people will be 35 years by coincidence, many will less and many will be more.
You thinking I am not correct dosent change facts. There is even an explanation on the government pages if you care to look.

Age 40 and have 21 years

I've been paying ni since I was 16, so that's 39 years...BUT I opted out of surps in the 1990s, the HMRC have fucked up my tax (dispute on going) I am not going to get a full state pension. The op if I am correct only has to make 35 years contribution to get a full pension.
I have given up working (part time job does not pay enough to quality) due to health issues, because I was self employed I don't qualify for benefits (made the lower level contribution) so will probably never get a full pension.

Thankfully, I made provision for that and I urge everyone to be fully aware of the impact of your decision to stop working, be self employed etc.

Same here

30 years credits. I'm 45 and got a few years from pt work, but the majority from child benefit credits (big gap between dcs) and carers allowance credits. I'm covered for the next 9 years as my youngest is 3.

Can anyone advise, I set up the gateway, entered my details, confirmed ID etc and it took me to my employers account. Which I couldn’t access.

what did I do wrong? I need this info so I can plan ahead.. younger me wasn’t great at checking on these things.

I’ve got full credits, I think 30yrs (I’m 45 and had jobs since I was 13 - 3 part time jobs while I was doing my a-levels so I have been contributing forever!) - classed as enough years for a full state pension anyway.

It must be such a relief to have full credits (thoroughly deserved too.)