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[Shadyglade]

Hi all,

I read a piece in a Sunday newspaper, a couple of weekends ago, that said that if you want to top up your missing NI years in order to receive the full State Pension, do it NOW.

Apparently from the beings of the new tax year it will cost considerably more to do this.  I can't remember the exact figure, but I think it was either 20 or 25 percent more.  I myself am short of about 3 or 4 NI years so am looking to do this asap.

Shadyglade  

[jillydoll]

I'm far too young to even think about my pension.....

Yeah,,,,, wish.....🤣😂🤣

[Shadyglade]

Ah, your 21 like me. 

[jillydoll]

Sure am.....baby.....😂

Wish it would tell my body that.....😃

It's like I'm on something, I've been so low, but tonight I've come alive, I've got to get rid of this high before bedtime , else noones gonna sleep......🤗😮😮😬

[jillydoll]

Sorry Shadyglade.
I hijacked your thread......with silly nonsense.. sorry.xx

[Shadyglade]

Perfectly OK.

We could do with some light relief.

[jillydoll]

Thank you shady.....
I feel better now....xx

[Salad]

Hi all,

I read a piece in a Sunday newspaper, a couple of weekends ago, that said that if you want to top up your missing NI years in order to receive the full State Pension, do it NOW.

Apparently from the beings of the new tax year it will cost considerably more to do this.  I can't remember the exact figure, but I think it was either 20 or 25 percent more.  I myself am short of about 3 or 4 NI years so am looking to do this asap.

Shadyglade  

Thanks 
Do you know how we find out what we  ‘owe' please? 

[katsclaws]

Salad, if you go to the gov.uk website it will tell you how to find your NI record and you can see any gaps.

[Salad]

Salad, if you go to the gov.uk website it will tell you how to find your NI record and you can see any gaps.

Thank you 

[Shadyglade]

Just thought I'd let you know that I am about to do my NI top up, to get the full state pension. I was 4 years short so I'm sending the cheque tomorrow.

The process was quite easy, if a little slow, involving 2 phone calls which finally gave me the amount payable for the 4 missing years. It's worth doing as it will only take 3 years, on the full pension, to make the money back.

Remember that the cost of top up years goes up in April.

[Krystal]

To find out what your State Retirement Pension is likely to be, obtain form BR19 from the Pensions Service. Simply type in State Retirement Pension and you will get the government website. Completion of the form BR 19 will give you a Pension Statement.  The Pension Statement will give you details of what your pension entitlement is likely to be when you reach State Pension Age (SPA) and if there are any missing years.  There is a time frame in which any individual missing years can be paid for. Each Pension Statement is individual for that person. As someone has already stated the cost for any missing years varies and goes up at the start of the tax year. Hope this helps.


Don't get me started on the changing of State Pension Age for us women who were daft enough to be born in the 1950s. They changed our dates twice, age 65 was bad enough, shifting it on a year was outrageous. Not everyone has or is fortunate enough to have private pensions or financial security to give up work earlier. The Government is so happy that there are now so many people over 60 in paid employment and all records of people over 60 now working have been broken. Look around and see how many men and women at work in many locations look as if they could all do with a years paid holiday, never mind their health issues. The government seem to think older people actually enjoy going to work, I wonder if this is really the case.



All the best for a Happy and long retirement!!!!!!   Where have all the mid week shoppers gone?  They are all at work or at home helping with the child care of their grandchildren before they go to work.

[CLKD]

I'm a Big Girl now - I had my first payment last week 

[Shadyglade]

 

I have three years to go.  HMRC have cashed my top-up cheque so will now get the full amount. 

[CLKD]

The goal posts were moved.  I had to wait