Need some info re Nat Insurance please

[TobyLeRhone]

I need some info on moving forward with my NI contributions, or more correctly, my state pension.

I lived overseas for many years and on returning to the UK I bought back 7 years of my NI to top up my state pension. Then I was a SAHM and I registered for but didn't collect child benefit as my DH's salary is over the threshold. I have been working very p/t over the past 18-months. I have worked 7 hours a week, and some extra days here and there. I was supposed to go p/t or f/t a year ago, but covid scuppered this.

My youngest turns 12 in a week and my NI contributions towards my state pension will cease. I am in the process of negotiating with my company for more permanent hours. What I need to know is at what point do I qualify to pay/ qualify for NI contributions towards my state pension? Is there a minimum salary earned? If so, I need to make sure I have enough hours to take me over this.

Thanks, in advance.

I earn £798 per month which just tips me over the NI contributions. I earnt £795 in April and didn't pay any.

Thx Comefrom. Does that mean that you don’t get a full years NI credit towards your state pension?

I did call up the helpline, but they didn’t know

I don't know.

Actually, I have just had a great conversation with a lady at the Pensions office who was possibly one of the most helpful people EVER.

If you earn £9,568 a year, you pay NI
If you earn £120 a week, consistently over 52 weeks, then you get an NI credit for that year.

www.gov.uk/national-insurance

I haven't read it yet but I've just downloaded the book Money- A user's guide by Laura Whatley. A few of the reviewers mention it demystifying national insurance contributions so it might be worth a look.