Sounds like she should get a state pension forecast just so she knows where she stands.
Check your State Pension forecast
Find out how much State Pension you could get (your forecast), when you could get it and how you could increase it
Missing National Insurance Contributions
- Thread starter ATOMIC SUPLEX
- Start date
smmudge
i know the smudge is true
It will still be 35 for the maximum in UK. Is she from Japan? Did she contribute there at all? If she did for at least 10 years she'll be entitled to something from the Japanese state. Though unfortunately the Japanese state pension looks even less generous than the UK.
Pickman's model
Starry Wisdom
Could be a surprising number of people here
Kevbad the Bad
Amiable Bowel Syndrome
Quite agree. If you need to I would suggest buying back NI in the five years or so before you retire. If you can afford it, obviously, and if you need it then. If you are way behind in your NI contributions it may be worth getting some earlier, but it may be impossible for you. Not always going to be at all easy.
Stuff you should consider is laid out pretty clearly here:
moochedit
I'm not feeding seagulls
Actually just checked and i missed 4 years not 3. I did pay some NI in 3 of those years but obviously not enough.
bellaozzydog
rolling turds in glitter
Ooof just looked at mine.
My gaps will cost 12300 quid to fill..
Question is could I do better numbers putting the money to a different use ?
Answers on a post card
considering slowly staging the paying off, earliest months first over XYZ months
My gaps will cost 12300 quid to fill..
Question is could I do better numbers putting the money to a different use ?
Answers on a post card
considering slowly staging the paying off, earliest months first over XYZ months
Throbbing Angel
this is no longer a place of honour
Have a look at this
May be of some help
King Biscuit Time
Well-Known Member
Ok you've panicked me into checking mine.
Not surprisingly i have a gap from doing a PhD and getting a tax free stipend for years, but I have full credit years for lots of years before that from various weekend, evening, holiday jobs going back to when I was 16. Do these count towards the 35 years? I guess no reason why they shouldn't, but it does seem like a good way to get your contributions up. Not that I'm likely to be in any danger or retiring early.
Not surprisingly i have a gap from doing a PhD and getting a tax free stipend for years, but I have full credit years for lots of years before that from various weekend, evening, holiday jobs going back to when I was 16. Do these count towards the 35 years? I guess no reason why they shouldn't, but it does seem like a good way to get your contributions up. Not that I'm likely to be in any danger or retiring early.
StoneRoad
heckling from the back!
Was quite surprised to find that being paid carer's allowance for my late father helped "top-up" my NI years towards a full state pension, even after the shenanigans with the changes to the qualifying years & ages.
Especially as I've had a few long spells out of work [several times more than a year] and a number of temporary / short term jobs on a very basic wage, which made the idea of being able to contribute to a private pension pretty much a total non-starter.
OTOH, my t'other half was a teacher ... their scheme was nearly as gold-plated as the one for the upper levels in civil service ...
Especially as I've had a few long spells out of work [several times more than a year] and a number of temporary / short term jobs on a very basic wage, which made the idea of being able to contribute to a private pension pretty much a total non-starter.
OTOH, my t'other half was a teacher ... their scheme was nearly as gold-plated as the one for the upper levels in civil service ...
smmudge
i know the smudge is true
My calculations indicate they're offering you about 15 years at class 3 rates.
If that was the difference between 20 years NI and 35 years NI, that's a state pension uplift of around £4930 per year. I.e you'd make it back in 2.5 years on today's rate.
You'll have until Apr 2025 to fill that far back, then it will cut off to last 6 years probably.
King Biscuit Time
Well-Known Member
Answering my own question, you get a full year at the moment if you earn £6,393 or more. I suppose that was likely quite a lot lower in the late 90s but I'm still surprised I got there from working in Sainsbury's in the holidays.
Considering their demographic unless they want zero mp’s I think this unlikely.
Alex
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