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Any Advice on this would be most helpful
In September i will e collecting my state pension now i know that you need 35yrs of NI contributions, well i have 25 ful years so a shortfall of 10yrs,so the last 10yrs i have not worked or earned a taxable income and on my pension forecast i can pay for back years,but on looking on the Gov website anyone on low income 113 pounds per week do not have to pay Ni contributions and can claim the back credits if eligible so i think i qualify for this , but on phoning HMRC i am told it does not work like that
In September i will e collecting my state pension now i know that you need 35yrs of NI contributions, well i have 25 ful years so a shortfall of 10yrs,so the last 10yrs i have not worked or earned a taxable income and on my pension forecast i can pay for back years,but on looking on the Gov website anyone on low income 113 pounds per week do not have to pay Ni contributions and can claim the back credits if eligible so i think i qualify for this , but on phoning HMRC i am told it does not work like that
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I think the Gov. has a service available to give advice to people approaching pension age. Think you can make a local appointment to speak to advisor.
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The pensions Advisory Service
Pensions Helpine: 0800 011 3797 |
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i have spoken to the pension advisory and the directed me to hmrc to be honest i thought that they were not vey good
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It's not likely you'll be able to claim credits if you weren't working or looking for work (ie on JSA).
.https://www.gov.uk/national-insurance-credits/eligibility |
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they are directed at employers/private pensions rather than state pension.
If you haven't worked you won't get any credit. The only thing you can do is pay 6 years voluntary contributions at a cost of about £600 a year. If this doesn't affect any benefits you might be entitled to and you are in good health it is a good deal as you are in profit after about 3 years. |
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So they told you "it doesn't work like that".....
Was that the end of the conversation, or did they go on to explain how it does work? |
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If you are talking to people at the Newcastle call centre "not very good" is a kindness!
Whoever you get to talk to, aside from being Geordie, seem to have a speech impediment, and a very low attention span! That is why they will ask for information, which you already gave them, several times, in the same conversation! |
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Men approaching 65
Your situation How to get credits You were born before 6 October 1953, live in the UK at least 183 days a year and you’re in one of these situations: you don’t work, you don’t earn enough to make a qualifying year, or you’re self-employed with profits of less than £6,205 You get Class 1 credits automatically |
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ah yes I thought they had abolished that. (they have I think but not for those born before the date quoted).
So you should get 5 years credits from 60-65 I think. |
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Not for 10 years though! Presumably that's covering the scenario where an individual is a few months away from retirement and would find it very difficult to find full time employment for such a short time. Unless there's extenuating circumstances you're going to have to consider making voluntary contributions to boost your state pension.
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no cider it was the rule up till the new state pension came in. You got credits for any non work period after 60.
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Ladtv FV it was a guy from the DWP
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I can pay for the shortfall for the last 10 years at a cost of 6,800
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peterhiggins • August 24, 2018 12:10 PM BST
I can pay for the shortfall for the last 10 years at a cost of 6,800 I think you should get 5 years credits from 60 to 65. As I said above the payment is good value if you are in good health and the extra won't affect any possible benefits. |
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Bizarre, my comment disappeared! I wrote that if that's the case it should show on his forecast. However even if they have made an error it won't make up the 10 year shortfall.
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heres another link about the 60+ credits
https://www.gov.uk/automatic-pension-credits-for-men |
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yes cider he should get 5 years credit and he can pay for the extra if it suits his circumstances.
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If he was born Sept '53 he will only get a year of credits?
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It might only show on the record once the year is complete I suppose.
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no from the link above
If you’re a man born before 6 October 1953, you might get credits towards your basic State Pension for tax years when you were aged 60 to 64. You’re eligible if you’re a man born before 6 October 1953 and one of the following applied during tax years when you were aged 60 to 64: you weren’t working you weren’t earning enough to pay or be treated as paying National Insurance contributions |
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There's phasing in the table though dave. From what peter has posted sounds like he turns 65 next month.
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So only the last line in the table applies.
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Yeah you are right - should have stuck with my first opinion that they had abolished the credits!
So he should get one years credit and he can pay for the rest if it's appropriate. |
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Actually in the link it reads If this applies to you, you should add the years as shown in the table to your result from the State Pension calculator.
So looks like we have got there, eventually! |