Can anyone explain something about NI contributions to my pathetic minded self??

[tiredemma]

Its probably something very simple.

On my wage slip it says under deductions-
NI A £xxx
NI D £xxx

whats the difference (if any??) between A & D?

have you just joined a pension scheme?

do you always have A and D on there?

to cut a long and boring story short, cat D NI deductions are for those that have joined a pension where they have opted out of the State Second Pension (which used to be called SERPS).

Then you pay Cat D NI contributions (which are slightly less than cat A from memory).

Cat A is the full NI contribution - you can still be a member of a pension but you won't have contracted out of the state second pension.

To have both on your payslip is bizarre unless you have just joined a pension scheme and opted out of the state second pension so have a month with some A and some D contributions.

I have never seen A and D on a payslip for any other reason but perhaps someone else might know more on this!

Bit confusing-
During my Nurse training I did Bank shifts with the trust that I now work permanently for. Always paid NI A with these.

Now I am qualified and have a permanent role (since sept) with the same Trust BUT still do bank shifts as and when necessary

So My PERMANENT job has a 674L tax code and this is the one that has NI A & NI D as deductions.

My TEMPORARY job has a BR NONCUM tax code and just pay NI A on this

Its very confusing- but im just curious as to what the difference in code is??

Fox- Bizarre.

I dont recall opting out of anything- is tis something that I need to sort out pronto??? can I lose money??
(dont want to spend my old age eating left over pet food)

you will need to ask them

D is lower than A but normally you would pay D or A depending on whether the pension you joined was one where you opted out of the state second pension or not

to have both on there permanently for one employment does seem a bit odd but maybe there's something I'm missing

I would email an enquiry to your payroll department. They should be able to answer it fairly easily.

yes, I'd email and ask now to find out what they are doing

maybe their A and D are nothing to do with the official A and D categories and it might be a coincidence but I think you should ask

it's not to do with what was deducted for the month and then the total to date is it? TBH it sounds like an in company description rather than anything else. NI contributions have a number attached to them, meaning different things(I won't bore you with more details )

Hard to know without seeing the payslip so I think i'd ring your payroll dept and ask, it should be easily explained.

oo one finally thought, it could be employee contributions and then employers ones? The employer ones are slightly higher. Or it could be the total of employers and employees.

So many options!!

The D is significantly higher than the A (almost 3 x as much- basically for December in NI deductions (both A & D) I paid £204. Thats on top of PAYE and pension (another £150)

Does that seem like a lot??

I wont bore you with it a moment longer- ill contact my Payroll dept

employers ones not normally on payslip though as they are a cost to the employer iyswim

yes better to ask them I think tiredemma. As eddas said, sounds more like a company description code than the NI A or D code! Hope you get some answers.