NIC

[shellac2]

At what age does a woman stop having national insurance contributions deducted from her wages?

[dasherman]

Normally state pension age. More info here:

http://www.hmrc.gov.uk/ni/intro/basics.htm

[mike11111]

This is interesting. I was made redundant in 2009 and was unofficially informed that as I was already 60 I need pay no further NI contributions as I would be automatically credited with them. As I had an occupational pension from my previous employment I knew that I would not qualify for UB, so did not sign on at the Job Centre. Did I do the right thing, or could my state pension at 65 be affected?

[dasherman]

Mike you only need 30 qualifing years to get a full state pension - it used to be 39 for women & 44 for men.

So if you already have that then paying more NI won't make any difference, although you cannot opt out.

[mike11111]

Thanks for that. I have 45 qualifying years, so I presume I don't need to worry and sign on at the Job Centre.

[buildersmate]

This is true.

[boxtops]

You need to write to the Department to ask for a card which you then give to your employer, as the instruction to stop deduction NI from your pay. This is what my Payroll Department advised me, so this is what I did:

"You need to obtain a 'Certificate of Age Exception' from your local Contributions Agency and send it to the Payroll Department before your 60th birthday. "

This was a couple of years ago so the qualifying age may have changed since then, but the same principle applies.

[dzug2]

<<so did not sign on at the Job Centre. Did I do the right thing, or could my state pension at 65 be affected? >>

You did OK - men over 60* get automatic credits if needed without signing on

* the age may have changed