NI record from 16 to 54 never missed a year :-)

Mr Bump

Mr Bump

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Sophia aka Paul
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Was just checking some details in my Gov Gateway account as i overpaid some tax due to my pension and discovered this....

Your National Insurance record
PAUL ****************

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You have contributions from

Paid employment: £32.64

National Insurance credits: 52 weeks

These may have been added to your record if you were ill/disabled, unemployed, caring for someone full-time or on jury service.

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Last edited:
I think the 1985 contributions were working in a bread shop at 16 on a weekend saturday job.
 
Mine is full from 1976/77 to 2020/21 when I retired early.
My first full year was under £30 contribution too.
 
I have a full set of contributions from 1984 to now. My first year at 16 only missed three months as I only started work at the end of June, after leaving school in the middle of May.
 
I have paid income tax without a break for 61 years (still paying and watching that shower in parliament squander it).
 
Well done on paying full NI contributions, unfortunately you are in the same situation as myself over paid NI and getting very little for it.
 
arclight said:
I have paid income tax without a break for 61 years (still paying and watching that shower in parliament squander it).
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Personally, I always wished I was paying more income tax. (Because that would mean I was getting more income in the first place)

Billy_wiz said:
Well done on paying full NI contributions, unfortunately you are in the same situation as myself over paid NI and getting very little for it.
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You've not “overpaid”, you may have paid for more years than the absolute minimum need to claim a full pension, but that's not overpayment. My total NI contribution added up to less than 4 years state pension at the current rate.
 
When I decided to take early retirement I was 1 year short of contributions for the full state pension, but with it being only a very small percentage I wasn't bothered..... Fast forward a couple of years, and after receiving a pro-rata annual bonus payment as I retired 3 months into the financial year, when I next checked my state pension forecast it said I now qualified for the full state pension thanks to the Ni Contributions deducted from that bonus payment!!! Works out that the timing of my retirement actually gave me a double bonus.... some holiday spending money and a little bit extra on my state pension....

Now I've just got to live long enough to enjoy it!!!!
 
TheFiend said:
When I decided to take early retirement I was 1 year short of contributions for the full state pension, but with it being only a very small percentage I wasn't bothered..... Fast forward a couple of years, and after receiving a pro-rata annual bonus payment as I retired 3 months into the financial year, when I next checked my state pension forecast it said I now qualified for the full state pension thanks to the Ni Contributions deducted from that bonus payment!!! Works out that the timing of my retirement actually gave me a double bonus.... some holiday spending money and a little bit extra on my state pension....

Now I've just got to live long enough to enjoy it!!!!
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my wife is a few years short, she took some years out for nurse training and then to retrain as a dental hygienist so only shows 31 full years but the calculation on HMRC gateway is only showing her 1 years short , we are going to leave it a few years to see if it "adjusts" and see if we need to buy a few years, they are about £850/year
 
Mr Bump said:
...we are going to leave it a few years to see if it "adjusts" and see if we need to buy a few years, they are about £850/year
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I recommend doing so.

My contributions were deficient and they sent me a warning letter. I paid the missing contributions over six years and a very good investment it turned out to be.
 
AndrewFlannigan said:
I recommend doing so.

My contributions were deficient and they sent me a warning letter. I paid the missing contributions over six years and a very good investment it turned out to be.
Click to expand...

If you're short and still able to top-up it's definitely worth doing, remember you could potentially be getting that extra pension for decades.
 
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