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Voluntary National Insurance contributions

Voluntary National Insurance contributions

Old Jul 15th 2016, 9:53 pm
  #46  
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Default Re: Voluntary National Insurance contributions

Originally Posted by Perth View Post
Thanks, but I am not within six years of retirement due to the increase in retirement age. I am 58. I did read the entire article and it did not appear to apply to me. The whole thing is so confusing
Hi chook, would it be worth getting a pension forecast, even if you already have one? My reason for suggesting this is, as well as the amount of pension you'll receive based on your NI record to date, there's another section, tailored to your circumstances, that tells you the ways you can increase your contributions.
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Old Jul 16th 2016, 3:26 am
  #47  
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Default Re: Voluntary National Insurance contributions

I called about voluntary contributions in April this year and they told me about going back 10 years. I won't retire until after 2030.the 10 years didn't apply as I left in 2008.just call them, they are normally very helpful.
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Old Jul 16th 2016, 3:24 pm
  #48  
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Default Re: Voluntary National Insurance contributions

Originally Posted by spouse of scouse View Post
Hi chook, would it be worth getting a pension forecast, even if you already have one? My reason for suggesting this is, as well as the amount of pension you'll receive based on your NI record to date, there's another section, tailored to your circumstances, that tells you the ways you can increase your contributions.
Mmm, looking at it now. The only other thing besides the actual pension is an estimate of Additional State Pension and Graduated Retirement Benefit. What it doesn't say is whether I automatically receive this additional sum or I need to pay in to get it. Also found tucked deep in my folder was a very "helpful" brochure entitled Your State Pension Statement Explained. About as useful as their website Looks like I will be on the phone Monday
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Old Jul 16th 2016, 3:28 pm
  #49  
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Default Re: Voluntary National Insurance contributions

Originally Posted by mrken30 View Post
I called about voluntary contributions in April this year and they told me about going back 10 years. I won't retire until after 2030.the 10 years didn't apply as I left in 2008.just call them, they are normally very helpful.
Yep, will do. Always a hassle calling from Florida as the connection is never good from my cell (we have chucked the landline). But no worries. For an extra few quid in my dotage, I'll make it work.
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Old Jul 17th 2016, 12:42 am
  #50  
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Default Re: Voluntary National Insurance contributions

Originally Posted by Perth View Post
Yep, will do. Always a hassle calling from Florida as the connection is never good from my cell (we have chucked the landline). But no worries. For an extra few quid in my dotage, I'll make it work.
I would sign up for one of Skypes monthly plans cheaper than paying cell phone rates. Then you can sit on hold for hours. Although my own experience of calling this service is very positive. Never been on hold for more than 5/ 10 minutes.
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Old Jul 17th 2016, 1:16 am
  #51  
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Default Re: Voluntary National Insurance contributions

I have lyca mobile, so I get virtually unlimited calls to the UK
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Old Jul 17th 2016, 3:53 am
  #52  
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Default Re: Voluntary National Insurance contributions

Originally Posted by vikingsail View Post
I would sign up for one of Skypes monthly plans cheaper than paying cell phone rates. Then you can sit on hold for hours. Although my own experience of calling this service is very positive. Never been on hold for more than 5/ 10 minutes.
I use Skype for same reason when calling Overseas, and even have on occasion used it via my cell phone as well.

As far as pension question , IF I understand the posts and brochure I received when I asked for Pension statement, I can pay in Class 3 contributions which will add to number of years credited. I keep seeing references online that it isn't that clear but that is what brochure seems to say.
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Old Jul 17th 2016, 5:55 am
  #53  
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Default Re: Voluntary National Insurance contributions

Originally Posted by morpeth View Post
I use Skype for same reason when calling Overseas, and even have on occasion used it via my cell phone as well.

As far as pension question , IF I understand the posts and brochure I received when I asked for Pension statement, I can pay in Class 3 contributions which will add to number of years credited. I keep seeing references online that it isn't that clear but that is what brochure seems to say.
If you dont want to call from your computer you can use something like Spaxtel - High Quality International Calls . This you could even get to call your number at work maybe. Calls cost 1.5c /min.

I still prefer my cell plan for $17.50/month for unlimited US and UK calls. I also get data and unlimited global text.

Last edited by mrken30; Jul 17th 2016 at 5:58 am.
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Old Jul 17th 2016, 8:03 am
  #54  
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Default Re: Voluntary National Insurance contributions

I was not going to phone from here in UK as it is one of those expensive premium numbers so I emailed them for a forcast and got standard email back that I could only get forcast a few months before I retire which was as helpful as a chocolate teapot! On paying the new Class 3 since 2 stopped this year I was advised it was not worth paying in for the remaining 5 years to get a little more back monthly. Has anyone written to them and got a forcast and is there a different email or normal phone number for them?
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Old Jul 17th 2016, 12:49 pm
  #55  
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Default Re: Voluntary National Insurance contributions

We actually have a good plan at 4 cents/minute. It's just the quality of the call that is frustrating. I'm sure it will be fine. Thanks for the suggestions though!
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Old Jul 17th 2016, 12:50 pm
  #56  
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Default Re: Voluntary National Insurance contributions

Originally Posted by feelbritish View Post
I was not going to phone from here in UK as it is one of those expensive premium numbers so I emailed them for a forcast and got standard email back that I could only get forcast a few months before I retire which was as helpful as a chocolate teapot! On paying the new Class 3 since 2 stopped this year I was advised it was not worth paying in for the remaining 5 years to get a little more back monthly. Has anyone written to them and got a forcast and is there a different email or normal phone number for them?
An email would be great. What do you mean Class 2 was stopped? I just paid Class 2 for this year.
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Old Jul 17th 2016, 5:11 pm
  #57  
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Default Re: Voluntary National Insurance contributions

Originally Posted by feelbritish View Post
I was not going to phone from here in UK as it is one of those expensive premium numbers so I emailed them for a forcast and got standard email back that I could only get forcast a few months before I retire which was as helpful as a chocolate teapot! On paying the new Class 3 since 2 stopped this year I was advised it was not worth paying in for the remaining 5 years to get a little more back monthly. Has anyone written to them and got a forcast and is there a different email or normal phone number for them?
To get a Pension Forecast, go to the to the following website for Department of Work and Pensions (DWP) and download the application form:-www.gov.uk/state-pension-statement

Their contact number is +44 191 218 3600, Monday to Friday 8:00am to 5:00pm.
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Old Jul 20th 2016, 11:14 pm
  #58  
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Default Re: Voluntary National Insurance contributions

I checked my pension online, would that be of help?
https://www.tax.service.gov.uk/check-your-state-pension
You have to set it up, they give you a number to input so you can access it over and over, so write the number down, and you confirm your ID with things like your passport number.
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Old Jul 26th 2016, 8:52 pm
  #59  
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Default Re: Voluntary National Insurance contributions

To recap. For each year you have made contributions up to 35 you qualify for a pension of £200 a year from retirment, index linked. So a catch up year of class 3 contributions costing around £600 would be worthwhile if you collected a pension for 3 or more years, and a catch up year costing around £150 would be worthwhile if you collected a pension for just 9 months.
Which to me means, unless you have some horrible disease, bargain, a very decent investment.
Is that right?
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Old Oct 30th 2016, 8:43 pm
  #60  
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Default Re: Voluntary National Insurance contributions

Originally Posted by Novocastrian View Post
It depends a bit on (a) whether 7000 quid is lot of money to you and (b) how long you hope to live and [c] do you have other sources of pension income which make the State pension trivial to you?

Right now, your pension will be effectively zero (unless you do get a job and get ahead of the new minimum 10 years of contributions) The new full pension amount is supposed to be 150x52=7800 pounds a year, index linked.

So for 7000 you're financing the first 11 months yourself.

ETA: Is your username where you're from? I was there this afternoon.
Near where I am from ( Newbiggin by the Sea/Ashington). Will be there this month. Used to go to Morpeth on market day.
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