Key Post Step by step guide to applying for UK State Pension

Threadser said:
I looked at the online application form again and it does say that you need to print and post it. Surely this makes the online process pointless.
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Not really pointless. From their point of view, they get a typed form rather than a handwritten one with some boxes not completed properly.

They also get a signature and declaration.

Not sure why we could not have scanned it and emailed it though.

Brendan
 
It
Zobeda said:
Makes me wonder are they putting up fresh barriers if its now necessary to print & post
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It seems to be a new requirement or maybe I didn't notice it last week? Concerned now that my application process is not complete and that I will have to fill out the form again online, print and post. If this is the case there must be others in the same situation?
 
Threadser said:
Concerned now that my application process is not complete
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I imagine that if it were possible to complete it and submit it online, there would have to be some sort of signature page.

and you would have got some acknowledgment online or by email. check your messages.
 
There wasn't a signature page on the online form (or I didn't see one) but my form is acknowledged as received by HMRC. I asked their chat bot did I need to print and post the online form but the reply was that they couldn't answer that question! I will try their community forum to see if anyone has asked a similar question.
 
Brendan Burgess said:
Step 8 - Wait a few weeks
Then check your National Insurance Record to see if the gaps have disappeared. It should look like this:

1738747544586.png


This will show that they have processed your payment for that year.

Your "State Pension Summary" in the HMRC App should also increase to reflect the extra years contributions
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Thanks for doing this @Brendan Burgess I was worried that perhaps the 'Self-employment' part was a mistake but that must just be how they class voluntary overseas contributions for everyone even if they aren't self-employed.
 
PoundMan said:
the 'Self-employment' part was a mistake but that must just be how they class voluntary overseas contributions for everyone
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It is, there was a rule change last year in regards to voluntary NICs (if you fancy some reading, I posted about it at the time), so to keep us on the same scheme, it's classed as self-employed.
 
Im looking for advice/ reassurance

I will pay for 17 years at class 2 from my husbands UK bank account. The letter I have states for payment from abroad using a UK account the following should be used:
Sort Code 202048 and account 30944793.
Advised that I should use with identifier of NI Number followed by IC and Surname.
Looking at post above the following is quoted, which is also the account when I look at how to pay from UK account when living abroad on the HM Revenue & Customs website, it is a lot of money so want to make sure I pay into the correct account. Which should I use? and why are they different?

Account on Website:
Sort Code: 08 32 20
Account number: 12001004
Account name: HMRC NIC Receipts

Details on my letter: Sort Code 202048 and account 30944793.
 
I should clarify the bank account on the letter was for 2024. The letter highlighting payments from 2006 to 2023 had no bank details.
 
I still haven’t paid them, I got the letter last year and that is what I’m going to do now and pay them up. I was going to add 2024 payment to it and pay all together but the way I’m reading it now is that I need to pay up to 2023 on account in website through husbands UK account and then pay 2024 and any subsequent payments on the account they put in the individual payment details. I hope I’m making sense
 
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Hi All


I submitted the form online for my Dad this morning, there was no request to print it off and send to them by post . Can anyone confirm if that is the application process completed? Received confirmation email shortly there

Thanks, the posts here so useful
 
Isabel S said:
Can anyone confirm if that is the application process completed?
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If you log onto the home page you can click on the tab "check progress" which should show whatever forms or letters they have received. The status of these should change from "received" to "in progress" to "completed". I submitted my CF83 form on the 3/2 this year and two weeks later the form was "completed". I am still awaiting confirmation by post as to which category I can pay.
 
Looking for some further advice here, as I have not seen a similar situation posted on the other threads.

Firstly, thanks to all who have posted and provided information in the different threads in relation to the UK pension.

I'm currently 38 and have worked in the UK during 2 periods. First one was 2009-2010 less than one year and most recently from June 2013 to January 2016, returning to work in Ireland thereafter.

I'm not eligible for retirement according to the HMRC website until 2055 which is another 30 years away.

In that case am I better off just paying 4 years worth of NIC contributions (I have 1 year already 2014-2015) and paying the rest going forward from this year until 2055 to make up the 35years?

OR

Should I pay the NIC contributions for all of the years shown below and stop paying NIC once I hit the 35 years which would be in 2045?

You have 14 payable gaps​

The cost of filling each gap depends on the amount of National Insurance already paid in that tax year.

GapsCost of filling gaps
2023 to 2024£907.40
2022 to 2023£824.20
2021 to 2022£800.80
2020 to 2021£795.60
2019 to 2020£824.20
2018 to 2019£824.20
2017 to 2018£824.20
2016 to 2017£824.20
2015 to 2016£110.95
2013 to 2014£824.20
2012 to 2013£824.20
2011 to 2012£824.20
2010 to 2011£824.20
2009 to 2010£824.20
 
kodirl said:
Looking for some further advice here, as I have not seen a similar situation posted on the other threads.
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There's no definitive advice in this regard as you can't predict the future. Let's say you buy up all of the years now but you you die next year, then that payment has been all for nothing. Equally, let's say you only buy the minimum amount now and then something changes (your financial situation, the cost of buying years goes up for some reason etc.), then you've missed the chance to buy these years once the deadline passes.

What I would say is that the deadline for some of the later years isn't 2025, they extend into 2026 and beyond (this would be on the confirmation letter you recevied from HMRC). So, if the cost of buying the years is putting you off you can always buy what you can afford from the earlier years, and then come back to those later ones in 2026.

FWIW, I've taken a mixed approach. I've bought from 2006 to 2021, and I'll buy 2022 to 2025 later this year/early next year. I'll continue buying years until I hit the 35 year total, at which stage I'll still have 12 or so years until retirement.
 
@ Peckham, thanks for the advice. I hadn't thought about it like that. It looks like I'll be taking a similar approach now.
 
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