About to pay voluntary UK national insurance contributions

basilbrush said:
@NoRegretsCoyote I'll have to call them again, then!
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The NI38 guidance says that you have to be "employed or self-employed abroad" to be able to qualify for the lower-cost Class 2 and they look for details of your self employment. For the years where you weren't in paid employment in Ireland I would say something like "landlord and property management, social insurance on rental income paid at self-employment rates (PRSI Class S)". HMRC might accept this as "self employment" for and let you pay Class 2 for the relevant years.

It might be relevant as well to point them to the answer from the Irish Minister last year that Class S PRSI amounts to compulsory insurance for the purposes of the Bilateral Convention.


At very worse HMRC will make you pay at the more expensive Class 3 rate but this is still incredible value and I wouldn't argue too much further.
 
Thanks for pointing this out. I am in a similar situation and so I just read the NI 38 document.

Just one question - the document states:

To qualify for most of the benefits mentioned in this section,
you need to have sufficient NICs on your National Insurance record
for the ‘relevant tax years’.
The relevant tax years are normally the last 2 complete tax years
which precede the benefit year in which you claim benefit

Does this mean that you must have paid NI in the final 2 years prior to retirement in order to qualify for the state pension?

Thanks...
 
HI JSF221, could you let me know how long it took from asking for the quote to receiving it?

Thank you.
 
phoenix53 said:
HI JSF221, could you let me know how long it took from asking for the quote to receiving it?

Thank you.
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@phoenix53 it was about 6 to 8 weeks for me also. I paid the lump sum and all missing 15 years are now full. I used revolut to transfer the payment. It was all very easy once they confirmed I was eligible to pay. I'll now pay annually moving forward.
 
i had got one back recently and that took over 20 weeks. I`ve got till April to pay it off, from what the letter states. But then you can set a DD for the years after.
 
Currently working through this with HMRC. I was advised yesterday that I need to complete the NI38 form and attach a CV to it for a case worker to review and that it could take up to 16 weeks for them to respond and decide if I am entitled to have to pay Class 2 or 3 NICS

If I end up paying Class 2, then in my case it will cost £2370 for 15 years. For Class 3 it would cost €12000. The increase in pension would be €3736 per year for me so whilst I am obviously hoping it is Class 2, even Class 3 makes financial sense.

I have to say, HMRC are an absolute pleasure to deal with, albeit the waiting time on the phone is a bit long.
 
£2388.15 and £11986.00 respectively if paid before 5th April 2022. Chances are you will not get approval that fast from HMRC so, you will pay at the rates nominated for 2022/23 and I think that means the total for Class 2 remains the same but the Class 3 total comes to £12,334.40
 

Sorry jfrank, I selected a paragraph you wrote by mistake and don't know how to delete the reference

Peanuts 20, do you have a note of the phone number you called the HMRC on? If you do, would you mind sharing?

Thank you.
 
phoenix53 said:
Sorry jfrank, I selected a paragraph you wrote by mistake and don't know how to delete the reference

Peanuts 20, do you have a note of the phone number you called the HMRC on? If you do, would you mind sharing?

Thank you.
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HMRC in Newcastle is the starting point to get your state pension forecast. + 44 191 2183600

Once you have that, ring them again and they'll give you the amounts you need to pay and then ask you to contact the NI office on +44 191 203 7010 for next step
 
Are there any benefits or downsides from paying Class 2 vs Class 3 VIC (aside from the cost) ?

If you qualify for the cheaper Class 2 are there any implications if you intend to retire in Ireland. For example, UK pension will not be credited for the VIC years OR post retirement UK pension is not increased inline with the future UK rate increases.
 
Thank you.

He got on to them today and said they were very helpful and very pleasant.
 
Yes there are some differences but as far as Im aware not to pensions - its more the provision of other benefits you get form paying NI. These are covered by your PRSI here hence the UK applies a reduced rate to your NI as you'll be getting reduced benefits in total from the UK. As i say though, i think pension entitlements are identical.
 
I lived in the UK for 12 years from 1987 to 1999 and according to the HMRC I have 15 years full NI contributions.
My intention is to purchase voluntary years of NI contributions (hopefully Class 2) so I am completing application form CF83. I have a
query regarding question 18 on the form:

Question 18 asks - Are you or will you be working abroad for an employer?

Does this mean are you working abroad for a UK employer ? Do I leave this answer blank and just include a separate detailed list
of all my employers since returning to Ireland or should I enter my current Irish employer's details there ?

Any assistance would be much appreciated.
 
Leave Q18 blank as I presume you are not working for a UK employer here in Ireland. And yes, add a separate page with your employments in Ireland since you returned including:
- Name/Address of Employer
- Dates from and to for each employment

The basic idea is thet you must show you were in "insured employment abroad (Ireland)" for the years for which you wish to pay Class 2
 
@jfrank ......Thank you for the clarification.
 
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