Active discussions

Meet the Other Phone. Child-safe in minutes.

Meet the Other Phone.
Child-safe in minutes.

Buy now

Please or to access all these features

Talk
Money matters

Find financial and money-saving discussions including debt and pension chat on our Money forum. If you're looking for ways to make your money to go further, sign up to our Moneysaver emails here.

Original poster

National Insurance question

10 replies

BaffledOnceAgain · 15/11/2023 23:05

I have recently looked at my NI Contributions and the 4 years while I was at uni (when I left school) were incomplete. At that time, I didn't even know what NI was!! I believe it might be too long ago to top it up as it was just before the Millennium. I can't find anything on the government website that is telling me if I'm correct or telling me if there's anything I can or should do. Can anyone advise please?

OP posts:
Ineedanewmoniker · 15/11/2023 23:13

If you weren't paying NI those years won't be complete. Were you doing any part time work while you were at University?
As long as you complete the required total years before you are 67 you should be fine. I am not sure how many years it is now, it used to be around 30 years full time.

Pinkitydrinkity0 · 15/11/2023 23:19

I’m the same, I worked while at uni but not enough to make full years NI contributions. I did get a credit for the year before I went to uni when I was still at school though.

I’m not bothering to top up for those years. You need 35 years contributions to get the full state pension which (hopefully) will be manageable!

Original poster
BaffledOnceAgain · 15/11/2023 23:23

Thank you for the replies. I have 26 full years so only need another 9. At least I know about it now!

OP posts:
caringcarer · 16/11/2023 00:03

You need 35 years for the full state pension at this point in time. This could change at some point in the future. I'm not certain but I think you can buy to fill in part years up to 6 or 7 years after the event. You'd have to check that OP.

WuTangGran · 16/11/2023 07:06

For the new State Pension 35 years only applies to someone who began work from 6th April 2016 onwards. For the rest of us we're in a transitional phase from old to new system and anything from 29 to 50 years may be needed.

https://www.gov.uk/new-state-pension/how-its-calculated#:~:text=You'll%20usually%20need%20at,10%20and%2035%20qualifying%20years.

gotomomo · 16/11/2023 07:34

If you haven't already it's worth checking your forecast, I've got to work another 6 years (in 17) to get mine in full - it's only changed to 35 for younger people

fgjhb · 16/11/2023 07:40

@WuTangGran I love your username.

RomeoOscarXrayXray · 16/11/2023 11:22

WuTangGran · 16/11/2023 07:06

For the new State Pension 35 years only applies to someone who began work from 6th April 2016 onwards. For the rest of us we're in a transitional phase from old to new system and anything from 29 to 50 years may be needed.

https://www.gov.uk/new-state-pension/how-its-calculated#:~:text=You'll%20usually%20need%20at,10%20and%2035%20qualifying%20years.

Edited

I started work before that date. I'd love to know where I can find out what my amount for qualifying years will be. I've tried and tried but end up going round in circles. I hope it's not 50 years! I won't make that at all...

Ineedanewmoniker · 16/11/2023 11:45

You go on GOV.UK and follow the instructions. You need a government gateway password, which they will send you, then you can find out everything you need to know.

WuTangGran · 16/11/2023 13:11

RomeoOscarXrayXray · 16/11/2023 11:22

I started work before that date. I'd love to know where I can find out what my amount for qualifying years will be. I've tried and tried but end up going round in circles. I hope it's not 50 years! I won't make that at all...

Show quote history

Contact Future Pensions.
https://www.gov.uk/future-pension-centre

Contact the Future Pension Centre

Future Pension Centre contact details - for pension forecasts, statements, advice and enquiries.

https://www.gov.uk/future-pension-centre

New posts on this thread. Refresh page
Swipe left for the next trending thread