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Original poster

Pension / NI Contributions help

26 replies

DogsAreAGirlsBestFriend · 22/02/2023 21:47

I watched the Martin Lewis show yesterday where he advised people to check for gaps in their NI contributions in order to receive full state pension.
I did this and I have three years where I do not have the full NI contributions. These three years are between 2006 and 2017 for which he mentioned the deadline to top up is in April this year (so time is ticking)…

So, to my question for anyone knowledgeable - would I be able to claim NI credits for these three years as these were the years I was at university, so in full time education just working a PT job to get me by? Or is it more likely I’ll need to top these up voluntarily?

I will try and call the Future Pensions Centre but they are very busy (unsurprisingly).

Thanks in advance to anyone that can advise.

OP posts:
Americansmoothy · 23/02/2023 23:29

messybutfun · 22/02/2023 22:16

During the broadcast yesterday a 49 year old with terminal cancer asked what would happen to her pension.
There were three pension experts who said there’s no inheritance tax but her beneficiaries will have to pay income tax.
Not unless she makes it to 75 - which is unlikely if she is terminal.
I mean really you shouldn’t put such wrong stuff out on TV.

As I understood it what they were saying is her pension pot is exempt from inheritance tax. However, it may be liable for other taxes.www.gov.uk/tax-on-pension-death-benefits

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