Well you paid something. Or inherited it.
Either way the letter is pretty clear, the protected payment is based on your state pension pre 2016.
National Insurance record - Do you have any gaps?
- Thread starter EdGey
- Start date
Either way the letter is pretty clear, the protected payment is based on your state pension pre 2016.
Man of Honour
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Dude read the part under the protected payment, it specifically states it is based on your pre 2016 NI record. The part you are quoting is for the New state pension...It says this
It says this next to the QR code
Yes, that's correct for the nSP (new State Pension) which was introduced from Apr 2016
Your protected payment, the part above the nSP, is due to your NI recored pre-2016, as it says in the next paragraph.
So their records say you payed something extra.
Man of Honour
Bloke on the phone says I have no protected payments, my extra is for the extra National Insurance I paid.
Those underneath didn't apply to me according to the bloke I spoke to.
I don't know why you're arguing about it to be honest.
I'm not repyling anymore, either
a) I'm telling fibs to wind you up
b) Bloke doesn't know what he's on about
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Bloke on the phone is wrong then because once you have the full new state pension you cant pay extra for more and you are in here telling people you did just that and maybe that will mislead others.
@SexyGreyFox - No one thinks you're telling lies, there's just some confusion happened. As 200sols says, it would be misleading for people to think they can pay extra NI and get an extra bit on the new state pension, as they can't.
Emphasis mine.
It doesn't matter if you've paid 35 or 45 years of NI, you'd still only get the £221.20
The HMRCs records show you have extra payments somewhere, somehow, from pre-2016 and that's where the extra payment on the nSP is coming from according to the letter.
Emphasis mine.
It doesn't matter if you've paid 35 or 45 years of NI, you'd still only get the £221.20
The HMRCs records show you have extra payments somewhere, somehow, from pre-2016 and that's where the extra payment on the nSP is coming from according to the letter.
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Man of Honour
Man of Honour
I'm sure we had this same arguement in one of the other pension threads.
Man of Honour
Yes we did and I said exactly the same what the Pension bloke told me.
Perhaps some people shouldn't be in a job.
Soldato
I paid 47 years NI, was born in '52 and just get the basic pension. No boomer bonus however much you would like it to be.
Soldato
I just checked my HMRC and it's the same as you in that my 3 uni years weren't recorded but my 6th form years were. Also, I was on jobseekers for a lot of 2010, but the 2009-10 and 2010-11 were recorded ok, so I must had worked long enough that they got recorded.
HMRC also shows 28 recorded years for me, so I need 2 more years to make it 30, but I think the limit recently got increased to 35 so I need 7 more years. It says I can retire in September 2046 and will earn £221 a week under the current law. In theory anyway. In practise, I'll probably end up retiring in 2056 and receive £8.37 a week.