shortfall national contributions?

[Anonuser21]

Hi all

First ever post on here so here I go.

I have logged onto my personal tax account on gov.uk. When I have clicked under the National insurance tab, it shows I have four years where the year is not full and to pay extra to make up shortfall.

£800+ for years 2010 - 2013
£184 for year 2013 - 2014

From 2010 - 2013 I was at university. Did some part time park but did not earn enough to pay National insurance. Once I finished university I did some voluntary work, was unemployed for short while (did claim job seekers allowance) and have been working Full Time ever since think around March 2014.

Should I make the overpayments? Has anyone ever had this before? if so what did you do?

I have attached screenshot showing this.

thanks in advance

I have a similar situation-although I graduated pre internet lol

I only, relatively recently, discovered I had these shortfalls, one year is for when I was in high school GCSE YEAR. I thought you if you were in full time education it wasn’t an issue so I’m surprised.

I would pay if I were you, it says I won’t receive full pension because of the shortfall & it’s now too late for me to make up the shortfall (that I had no clue existed!)

Watching to see what expert advice you get and to see if there’s anything I can do about my issue.

I'm no expert but does it not depend on how old you are and how many more years you expect to work.
If you are close to state pension age it might be worth it but if you are still young and expect to get at least 35 years in before you retire then it's not worth it.

You cannot fill gaps from that period. I think the earliest you can fill from at the moment is 2015/16 tax year. It's something like the last 6 years that you can pay to fill gaps.

You need 35 qualifying years to get full state pension - www.gov.uk/new-state-pension/how-its-calculated
So do you have enough time before State Retirement Age which may be 67, or 68 (if born 6th April 1978 or later).

You need to work out whether you can fit in 35 years of contributions before you expect to retire. You need these to claim a full pension. If you take time out to have children then make sure you claim the child benefit as this means those years count for NI (up to child aged 12 I think)
If you decide not to pay the additional contributions to make the partial years fully paid be aware that there is a time limit after which you cannot then go back and pay.

in that case there is no need for you to pay any voluntary contributions.

@Mumski45

in that case there is no need for you to pay any voluntary contributions.

thanks and thank you to everyone for your advice