National Insurance record - Do you have any gaps?

Semple said:
2006-2016 it says on mine.
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Strangely I have seen that mentioned on another site, but the .gov site does say it's been extended for the 2016/17 year

Deadlines​


You can usually pay voluntary contributions for the past 6 years. The deadline is 5 April each year.


For example, you have until 5 April 2030 to make up for gaps for the tax year 2023 to 2024.


If you want to make voluntary contributions for the tax years 2016 to 2017 or 2017 to 2018, the deadline has been extended. You have until 5 April 2025 to pay.

You can sometimes pay for gaps from more than 6 years ago, depending on your age.
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But I have just found this as well, from a decade + ago

General description of the measure​


The government is extending the deadline to 31 July 2023 for individuals to pay voluntary NICs. Paying voluntary NICs enables customers to fill any gaps in their National Insurance (NI) record to boost their State Pension.


Individuals can usually only fill gaps in their NI record from the past 6 years. However, as part of transitional arrangements introduced alongside the new State Pension from April 2013 individuals were given until 5 April 2023 to pay voluntary NICs to make up any gaps in their NI record between 6 April 2006 and 5 April 2016.


The 5 April 2023 deadline is being extended to 31 July 2023.


The government is also extending the deadline to pay voluntary NICs for tax year 2016 to 2017, to 31 July 2023.


By extending the deadline individuals have more time to decide whether to fill gaps in their NI record to count towards their State Pension and to pay voluntary NICs.
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So I'm not exactly sure then what the arrangement is atm.

I have just checked my record and it also says

You can usually only pay for gaps in your National Insurance record from the past 6 years.


The deadline for paying gaps between April 2006 and April 2016 has been extended to 5 April 2025.
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I do have a gap in the 2006/07 year, so just pressed the button marked "View payable gaps" and it says no gaps are payable :p
 
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Freakbro said:
Strangely I have seen that mentioned on another site, but the .gov site does say it's been extended for the 2016/17 year



But I have just found this as well, from a decade + ago



So I'm not exactly sure then what the arrangement is atm.

I have just checked my record and it also says



I do have a gap in the 2006/07 year, so just pressed the button marked "View payable gaps" and it says no gaps are payable :p
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:cry: :cry: standard government website, says one thing, means something else.
 
Found gaps for 2002, 2003, and then on from there its all good. so i cannot fix that. by the time i retire pension age will be 80 :(
 
Freakbro said:
Strangely I have seen that mentioned on another site, but the .gov site does say it's been extended for the 2016/17 year



But I have just found this as well, from a decade + ago



So I'm not exactly sure then what the arrangement is atm.

I have just checked my record and it also says



I do have a gap in the 2006/07 year, so just pressed the button marked "View payable gaps" and it says no gaps are payable :p
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I can't find it anymore, but I just read somewhere on the gov site that your age will also determine how far back you can go to cover gaps.

I just checked mine and I have a gap from 2009-2010 and 2010-2011 that I can supposedly pay for.
 
Semple said:
I can't find it anymore, but I just read somewhere on the gov site that your age will also determine how far back you can go to cover gaps.

I just checked mine and I have a gap from 2009-2010 and 2010-2011 that I can supposedly pay for.
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Yea, I think it's to do with when they changed the rules, so people on the old system had a transition period to fill in gaps to meet the new criteria, but I don't know for certain.

Do you have that "view payable gaps" button, does it say they can be paid?
 
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I've got a few here and there thanks to a few dodgy employers who deducted tax and NI but never passed it on to HMRC, in fact one company wasn't even registered with them.

There was no easy way of checking back then and it wasn't something I had even really considered at the time, so I didn't even realise until tax records were put online a few decades later.
 
Full contributions since I started working when I was 16. Just out of interest, I've just totted up my contributions, and to the FY ending April 24, I've paid £49.5k.
 
Yeah I have college years but not uni years, weird inconsistency.

Bought one incomplete year a while back due to planning to retire early.

Normally it's not worth buying years if you expect to get enough anyway.
 
Richie said:
Full Time Education gives you a year even if you werent working (FTE is classed as "working" apparently). I have the same.

I have a year where I was still in High School :cry:
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Those are likely the starter credits you get for the three years of 16-18, not because you were in full time education.
 
Mrs FluffySheep is out of work due to poor health. She was at 31 years but the huge amount of £30 gave her another year so I paid up. She's young enough that she might get to 35 years without the to up, but for £30 it was a no brainer for me. I'm at 26 years and still working full time so should get through the 35 barrier no issue.

FluffySheep
 
Freakbro said:
Yea, I think it's to do with when they changed the rules, so people on the old system had a transition period to fill in gaps to meet the new criteria, but I don't know for certain.

Do you have that "view payable gaps" button, does it say they can be paid?
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Yeah I do have the button and then it lists 2 years that I can pay. Went through a few options but was getting a bit long-winded and seeing as I have no intention of paying for those 2 years I've bailed out.
 
I found a gap, but only need another 10 years to hit the magic 35. With 20+ years still to go until my official retirement age, it's not worth buying the year. Nice to see where I am though, so thanks for the heads up.
 
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