All National Insurance contributions are recorded over your working life from the age of 16. The amount of state pension that you are entitled to is dependent on the amount of contributions that you have paid. A minimum amount of National Insurance contributions are necessary to make each year count as a qualifying year towards your National Insurance record.
Gaps in your National Insurance contributions
There are various reasons that you may have gaps in your National Insurance contributions as below:
• Low earnings whilst in employment
• Unemployed (not claiming benefits)
• Self employed and not having to pay Class 2 National Insurance contributions because you were issued with a CA6812 Small Earnings Exception certificate
• Living abroad
Qualifying years to receive full state pension
To qualify to receive the full state pension depends on when you reach your state pension age. The qualifying years needed for entitlement to the state pension are as follows:
|Number of qualifying years||Men||Women|
|If you reached State Pension age before 6 April 2010||normally 44||normally 39|
|If you reach State Pension age on or after 6 April 2010 but before 6 April 2016||30||30|
|If you reach State Pension age on or after 6 April 2016||normally 35||normally 35|
To know how many qualifying years you have accumulated you can contact the Department for Work and Pensions (DWP) where they will be able to provide you with a statement that will give you an estimate of your state pension based on the current rules. They will also be able to discuss any gaps in your National Insurance contributions.
State pension if you retire abroad
You can still claim your state pension if you retire abroad or if you are considering moving out of the UK. However, this may be affected if you have already retired and thinking of moving abroad. A claim form should be sent to you at least 4 months before you reach the state pension age. If you have not received the form within this time frame you can contact the International Pension Centre (IPC) on telephone number +44 (0)191 218 7777 or alternatively you can send an email to: firstname.lastname@example.org
The department is contactable Monday to Friday from 8am to 6pm.
You must inform the IPC if you change any personal details including your address or bank account details, you can only report these changes by telephone or by writing to:
The Pension Service 11
Mail Handling Site A
Returning to the UK
If you are returning back to the UK after living abroad or you are returning to the UK to retire you will need to contact the Pension Service on telephone number 0800 731 7898 to inform them of your return date and contact details both within the UK and abroad.
When working in the UK it is law that you pay a certain amount of National Insurance and Tax to the government in relation to your circumstances and the amount you earn.
Posted - 26-07-2016
One of the many benefits of having an NI Number Card is that you don't end up paying a higher rate of National Insurance or Tax, you only pay the amount which you owe..
Posted - 20-07-2016
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Applying for your National Insurance Number Card with ni-apply is quick, efficient and easy to do. Follow the links and enjoy your new working life in the UK.
Posted - 8-06-2016
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