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Original poster

State pension

5 replies

Yourinmyspot · 15/02/2025 16:38

I’ve been checking my pension forecast today and I have paid 32 full years and 4 not full years.

It shows that if I pay one more year I will be at the highest state pension I can get. (See photo).

I have read online that i would need 35 years to qualify so I’m a bit confused if I’ve paid enough or not?

State pension
OP posts:
rainbowunicorn · 15/02/2025 18:31

35 years is only for people who started paying NI from 2016 onwards. You only have to pay one more year for full new state pension. If you are working you will still pay NI until state retirement age though.

Original poster
Yourinmyspot · 15/02/2025 19:33

rainbowunicorn · 15/02/2025 18:31

35 years is only for people who started paying NI from 2016 onwards. You only have to pay one more year for full new state pension. If you are working you will still pay NI until state retirement age though.

Thank you, I don’t pay or qualify for any contributions in my current job as I don’t earn enough so I will pay the shortfall for the 23-24 year then will be fully paid up,

OP posts:
rainbowunicorn · 15/02/2025 19:39

You have until 2039 to pay one more year. Unless you plan to not work enough to earn the NI threshold between now and then you would be wasting your money. Do you claim child benefit? If you do and the youngest child is under 12 you will get the stamp for that year anyway.

Original poster
Yourinmyspot · 15/02/2025 20:32

rainbowunicorn · 15/02/2025 19:39

You have until 2039 to pay one more year. Unless you plan to not work enough to earn the NI threshold between now and then you would be wasting your money. Do you claim child benefit? If you do and the youngest child is under 12 you will get the stamp for that year anyway.

DD turned 12 at the beginning of March last year, the shortfall for the 23/24 year is £69 so I think I will pay it off then I have definitely qualified. I hope to get a job with more hours in the future but no guarantees.

OP posts:
rainbowunicorn · 15/02/2025 21:12

Yourinmyspot · 15/02/2025 20:32

DD turned 12 at the beginning of March last year, the shortfall for the 23/24 year is £69 so I think I will pay it off then I have definitely qualified. I hope to get a job with more hours in the future but no guarantees.

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Yes, if only £69 then probably worth doing for peace of mind. Just make sure to check your forecast every year to make sure nothing changes.

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