National Insurance Contributions

[UKSWF]

If you can not work because of Illness, and can no longer claim benefits what happens to your National Insurance contributions (aged 55 with full NI contributions to date)? Thank you.

[grumpy01]

As you will have got the necessary 30 years contributions in place your pension should be OK.

[pomona]

don't females need 35 years now for a full pension?
If so you can make up the years yourself

[UKSWF]

I there any point in making more contributions?

[UKSWF]

Sorry - Is there any point in making more contributions I have worked from aged 16

[roslyn251254]

if you dont have the full required years you will get a reduced pension....you can work out how much it will cost to make up the remaining years ...and see how long in your pension years it will take to recoup what you paid out. I was 5(?) years short, paid the extra contributions several years ago...£2000 ish i think... and i will get that back in a couple of years when i start getting the state pension... so for me it will be worth it. (The reduction is quite a lot when you haven't paid enough years) You can find it all at gov.uk.

[roslyn251254]

Sorry ..if you've worked from 16 you should have paid the necessary... go on gov.uk and check what you'll get at pension age

[Gizmonster]

This will help:

https://www.gov.uk/new-state-pension

I haven't checked, but I'm fairly sure that you need 35 qualifying years in order to receive the full state pension. Any more qualifying years won't add anything to your final pension, so if you've already got 35 years, there's no point in adding more if you don't need to.

[fiction-factory]

Are you not eligible for any benefits at all, not even JSA, then? Anyway as others have said once you get to pension age you'll get a large share of the full state pension. Hopefully you have some means of support for the next 12 years though before you reach pension age

[grumpy01]

Sorry,didn't realise qualification had risen to 35 years post April 2016.

[bluemoon1]

Here's how it was explained to me by the .gov site. I had paid the maximum 30 years pre 2016, then came the rule change. I now have to pay the remaining years from 2016 until my retirement age in full to qualify for the full state pension, meaning I will have paid 40 years with a 6 year gap.

[bluemoon1]

P.S. Providing they don't decide to increase the pension age again in the next 8 years.

[UKSWF]

I looks like I may be ok but will double check- How much is an NI contribution I have only every been PAYE and won’t have an income apart from Personal Independent Payment after August!

[fiction-factory]

I'd always assumed PIP was classed as a benefit. You should check with DWP whether you will also get NI credits from your pIP-. You may be able to tell from your online NI record regarding past pcontributions

[UKSWF]

PIP isn't a means tested benefit. But I don't think it brings an NI contribution, another thing to check!

[hc4361]

PIP does credit your NI contribution, so no need to worry

[hc4361]

Apologies. PIP does not give you NI credits.

[UKSWF]

I prefered your first answer :-)

[UKSWF]

I will lose my SDP Severe Disability Premium and my Employment Support Allowance (Support Group) in August - The ESA is the benefit which carries the NI contribution!

[hc4361]

You need to telephone your local jobcentre. You can get NI credits if you would be entitled to ESA but don't claim it. Why aren't you claiming ESA?

[hc4361]

Hope you are appealing.