National Insurance record - Do you have any gaps?

I've been looking into this recently. I have 14 years qualifying payments but haven't put anything in since 2006. I found a 2009 letter telling me I can backfill 2007 / 08 i just missed for 405.60.

I'll be eligible for the pension from May 2044 so could squeeze the remaining payments in between now and then to catch up to 35. I need to set up a Gov UK log in but in the meantime can anyone tell me what the current yearly amount is? I'm pretty sure it won't be 405 quid anymore. The governments website says the pension rises by 2.5% each year. Would it then be safe to assume the "stamp" rises by that amount too? So my payment for 2044 would be 985?
 
I'd have to check... I had a gap where I knew that I couldn't 'claim' any money for 6+mo (and another where I apparently could have after being made redundant) so didn't sign on, so I didn't bother... If I have to pay the gap, then so be it...
 
Vandle said:
Reading a bit more into it, it seems I am eligible to pay class 2 rates which is only tree fiddy a week. :confused:

Doesn't really seem fair I can claim a few hundred a week in 20 years time in exchange for 3.50 a week now, all while living abroad.
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What most people don't realise is that life is not fair, never has been and never will be.
Averages wise it is the people who have paid in more than they will recieve, higher earners or die before pensionable age that mean some people don't need to.
:)
 
Hagar said:
What most people don't realise is that life is not fair,
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Do you really think most people don't realise this?

Hagar said:
never has been and never will be.
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Right, but that doesn’t mean society stops striving to improve things does it. Just because things will never be perfect doesn’t mean we embrace that imperfection.

Hagar said:
Averages wise it is the people who have paid in more than they will recieve, higher earners or die before pensionable age that mean some people don't need to.
:)
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Or, looking at the reality of how the system was set up and due to societal and demographic changes, it no longer functions as it was planned to and people don't pay enough into the system as a whole.

Hence on of the reasons why there has been the move to automatic private pension enrolment and shifting some of the future burden onto the individual themselves.
 
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Freakbro said:
Or, looking at the reality of how the system was set up and due to societal and demographic changes, it no longer functions as it was planned to and people don't pay enough into the system as a whole.

Hence the move to automatic private pension enrolment and shifting some of the future burden onto the individual themselves.
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The system was set up to pay current pensioners from current receipts exactly as it does today.

I agree that people don't pay enough and I have always been of the opinion that if you are earning, you are paying, retired or not.

Perhaps Rachel can be persuaded to take 2p off NI and add 2p to income tax. Doing that job without unduly affecting 'ordinary workers'. And carrying it on.
 
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Hagar said:
The system was set up to pay current pensioners from current receipts exactly as it does today.

I agree that people don't pay enough and I have always been of the opinion that if you are earning, you are paying, retired or not.

Perhaps Rachel can be persuaded to take 2p off NI and add 2p to income tax. Doing that job without unduly affecting 'ordinary workers'. And carrying it on.
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I am of the view that NI should be scrapped as well and added onto income tax. It makes no sense to me that a pensioner will pay less tax over all than a working person who earns exactly the same amount as them.

They could still have a tiered system for how much people get based on how many full years of employment they have been in, combined with the option to back pay a set amount each year for incomplete years working just like now....

I dont see what people would have to moan about with this to be honest.... Those without any other income who relied on just the state would not "earn" enough to need to pay income tax anyway. mind you i also thought means testing WFA was also ok so long as it could be done cost effectively without people who needed it missing out. In principle there are 1000s of pensioners who are more well off than some working people and dont need a WFA but the amount of anger at that was huge so...............
 
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I have 13 missing years (4 uni, 9 from living abroad). I'm still going to hit the maximum by retirement age anyway so no point buying them back, not now anyway.

I'll be better off than a UK pensioner as I worked in Germany long enough to quality for a German state pension as well so will be getting some Euros every month too :)
 
I'll be well over the 35 years (unless something changes of course) - Tracking to be circa 52 years (perhaps 51½) of contributions here :eek:
 
I have 8 i think gaps that are not payable and 1 that i could back pay if i wanted. its really annoying as a bunch of them were partials which i could have filled in for very little.

I am 49 with 9 years to go according to government gateway for full pension, however i am retiring at 60 god damn it (albeit not with state pension)!. That said I thought i was opted out of SERPSs for a good number of years and yet that does not appear to show on my government gateway. Maybe i chose to stay in it, i am not sure!.

is there something i am mssing about that? I assume the government gateway is accurate? if not i am buggered as i have just missed out on 4 years i could have back paid due to probably not needing it looking at the government site (essentially working under diplomat rules and it was 4 years before i realised i was not paying NI.... i fixed it in 2020)

I am fully expecting me to be 69 or 70 before i get anything... either that or will become means tested and i will get nowt but right now according to gov.uk its 67 for me.
 
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My brother seems to have hit a sweet spot. He reach retirement age in March 2024 @ 66, and is actually getting more than the max. Apparently for a number of people of a certain age, some of his serps built up under the old state pension counts into the new one. I think he gets around £900 more a year.

I don't hit state retirement for 5 years, and the checker says I can't get any more than the max.
 
I checked a while ago I have one more year to complete (this year) and then I qualify for the full pension. After that any further contributions don't count I don't get any more and I won't get it at all for another seven years

bigmike20vt said:
I have 8 i think gaps that are not payable and 1 that i could back pay if i wanted. its really annoying as a bunch of them were partials which i could have filled in for very little.

I am 49 with 9 years to go according to government gateway for full pension, however i am retiring at 60 god damn it (albeit not with state pension)!. That said I thought i was opted out of SERPSs for a good number of years and yet that does not appear to show on my government gateway. Maybe i chose to stay in it, i am not sure!.

is there something i am mssing about that? I assume the government gateway is accurate? if not i am buggered as i have just missed out on 4 years i could have back paid due to probably not needing it looking at the government site (essentially working under diplomat rules and it was 4 years before i realised i was not paying NI.... i fixed it in 2020)

I am fully expecting me to be 69 or 70 before i get anything... either that or will become means tested and i will get nowt but right now according to gov.uk its 67 for me.
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You should have received a letter in the post theres a window for paying voluntary contributions then you lose it I made several voluntaries in the past
 
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unwashed potato! said:
2009/2010 is short by 1 week. Can I top up that up?
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No.
It changed this year so you can only top up the last 6 years.
Before that you could have, but whether it was worth it depended on whether you were expecting to get enough years anyway. Being short by only 1 week you probably would have topped it up because it would have been cheap to do.
 
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Just had a look on mines. No gap years. Fully paid up. Need to contribute another 8 years.

State pension April 2053
 
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Checked mine and I do have some missing years from when I was younger and stupidly didn't bother to top up the years. Still have enough years left to contribute to get a full state pension, that's if there will be one.
 
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