Key Post UK State Pension - Make voluntary contributions to qualify for UK pension on top of Irish pension

Kev1964 said:
Hi Bagman. This letter is the recurring annual (second time I’ve received this) demand for my NIC so that I continue building my pension entitlement. My application to pay back payments was submitted in 2022 and I think …..before the big build-up that seems to be producing the current delays.
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Ah that makes sense. Thanks for clarifying and well done on getting in early!
 
Hi folks, would love a steer.

I’m 43 and from Ireland. I lived in the UK for about 2.5 years from Nov 2010 - May 2013.

I moved back to Ireland in Jun 2013.

Then moved to the UK again in Nov 2021 and have been here for about 2.5 years again.

Have I any option I need to act on now to ensure I don’t miss out?
 
DannyBoyD said:
it's all a bit knarly due to the changes that were made in the UK in 2016 with regards to pensions - if you really want to read up the detail, there's a link somewhere in these 24 pages.

so the line they include is their 'get of jail free' card to cover themselves.
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Thanks DannyBoyD - I will have a look for it.
 
Bagman said:
Hi Whisper. Thanks for the update. That sounds really quick. Can I ask if you applied online or via post?
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Hi Bagman. I applied via post, and I think I just sent it via regular post but can't quite remember (I was very sick not long afterwards so all a blur). When I checked the site sometime in February I could see the receipted date was 24/1/2024, which was within a week of me sending the form in.
 
A few weeks ago I paid back 17 years of NIC payments. On Friday I got a letter in the post about the 2023/2024 payment of 179.4. Just wondering if they are connected? Is that an indirect way of indicating that HMRC has received my payment a few weeks ago. I checked my statement online but it hasn't been updated yet.
 
TrishC said:
Has anyone tried paying via Revolut? I cannot get any bank to issue a sterling cheque/draft. I also don’t have have a bank account (and no, my name is not Bertie), which complicates matters
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I just got my letter today and I tried to make a payment via Revolut. The process seems to be as follows:

1. Click 'Payments' at the bottom of the screen
2. Click '+' at the top right to add a payment
3. Click 'Send International'
4. Select United Kingdom
5. Enter the amount you wish to pay in sterling
6. Select 'Bank Account' as the transfer method
7. Enter your reference which is you NI Number + 'IC' + you surname and your first name initial
8. Click Send
9. Click 'Business' as the account type
10. Enter the sort code and account number and account name as listed on the letter from HMRC.
11. I left the email blank
12. Click Add recipient

This is where I ran into a glitch. Revolut gave me a warning that that account name was not correct. The account name I got on the letter was 'GBS Re NICO Receipts HMRC'.

I was bit cautious about sending this to the wrong account so I just tried changing the account name to HMRC. Revolut then said the account name was close and asked did I mean 'HMRC Nic Receipts'. So I said yes.

I am ready to send off the money now. Hopefully this is of help to anyone who has not done this before. Or if you have paid your NIC contributions before with Revolut and you have any comments, that would be great.
 
DannyBoyD said:
Not sure I understand the question?

You need to make payments every year.
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Thanks for the reply.
Sorry about the misunderstanding.

I was trying to figure out if the recent request for the 2023/2024 payment from HMRC was triggered by the fact that I had just paid back 17 years of NIC contributions. ( I understand that I will need to make payments every year)
 
A friend of mine has had this knockback from HMRC - I wonder has anyone had similar or can provide any advice on how to approach this.

They seem to be focussing on being 'ordinarily' employed before leaving the UK, which seems odd to me since he was employed by a large NHS hospital before leaving the UK.

My inclination is to write back to them dealing with that specific point, with details of his employment before leaving and date of leaving, backed up by his NI record.
 

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Appeal. Include any documentary evidence you have that establishes you were employed / paying tax etc., before leaving the UK.
 
Can someone who is 69 apply for this. It looks if I'm reading it right that they can and they pay at the higher rate(class 3). The person in question has 3 years of contributions from the 80s or is it too late now that they are past retirement age. Also would this be back dated if they do qualify. Thanks in advance
 
Got a favourable reply to an application sent a year ago. I owe the missing years at the lower rate as I was working here.

Many thanks to the crew here! Will seriously aid my retirement. I wouldn’t have believed it without the lessons learned here.

I have a few more years of work here so I’ll have to remember to pay annually as well as cover the backdated pay. Also I gather I’ll have to pay the higher rate if I retire early here. Still worth it I think.
 
Thanks to this thread, both my husband and I have paid missing years in NICs. My husband is 62 this year and will pay this year and one more year of the NIC in the UK as after that he will have reached the maximum pension he can gain from the UK and while he could pay more contributions, he won't, as it will be of no benefit to him.

I'm not a great maths person, but is this a thing for other people? It would appear that just because you can pay to old age pension age, doesn't mean you should. I don't know if this is something you have to figure out for yourself or if by checking your pension contribution statement on the UK HMRC web site, it will become apparent when you can/should stop.
 
3CC said:
I just got my letter today and I tried to make a payment via Revolut. The process seems to be as follows:

1. Click 'Payments' at the bottom of the screen
2. Click '+' at the top right to add a payment
3. Click 'Send International'
4. Select United Kingdom
5. Enter the amount you wish to pay in sterling
6. Select 'Bank Account' as the transfer method
7. Enter your reference which is you NI Number + 'IC' + you surname and your first name initial
8. Click Send
9. Click 'Business' as the account type
10. Enter the sort code and account number and account name as listed on the letter from HMRC.
11. I left the email blank
12. Click Add recipient

This is where I ran into a glitch. Revolut gave me a warning that that account name was not correct. The account name I got on the letter was 'GBS Re NICO Receipts HMRC'.

I was bit cautious about sending this to the wrong account so I just tried changing the account name to HMRC. Revolut then said the account name was close and asked did I mean 'HMRC Nic Receipts'. So I said yes.

I am ready to send off the money now. Hopefully this is of help to anyone who has not done this before. Or if you have paid your NIC contributions before with Revolut and you have any comments, that would be great.
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Thanks for the detailed guidance. I’ve done it now, fingers crossed !
 
phoenix53 said:
Thanks to this thread, both my husband and I have paid missing years in NICs. My husband is 62 this year and will pay this year and one more year of the NIC in the UK as after that he will have reached the maximum pension he can gain from the UK and while he could pay more contributions, he won't, as it will be of no benefit to him.

I'm not a great maths person, but is this a thing for other people? It would appear that just because you can pay to old age pension age, doesn't mean you should. I don't know if this is something you have to figure out for yourself or if by checking your pension contribution statement on the UK HMRC web site, it will become apparent when you can/should stop.
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It looks like you or your husband has already established when to stop paying NICs in his case. Apply the same calculation to your own record.

Alternatively the simplest and likely most reliable method is to log on to the DWP website and look at your pension forecast. This tells you the maximum weekly pension amount that you can achieve based on today’s pension benefit amount (this increases annually) as well as what you are currently entitled to based on your NIC record. Make a time allowance for the system to be updated following latest NIC payment(s). Sometimes this can be several months.

When the two numbers are equal to each other stop paying any more NICs. Simples….:)
 
Kev1964 said:
It looks like you or your husband has already established when to stop paying NICs in his case. Apply the same calculation to your own record.

Alternatively the simplest and likely most reliable method is to log on to the DWP website and look at your pension forecast. This tells you the maximum weekly pension amount that you can achieve based on today’s pension benefit amount (this increases annually) as well as what you are currently entitled to based on your NIC record. Make a time allowance for the system to be updated following latest NIC payment(s). Sometimes this can be several months.

When the two numbers are equal to each other stop paying any more NICs. Simples….:)
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Thank you :)
 
Hi,
I got a letter from HMRC (PT Operations North East England) telling me that I have been approved to make voluntary NICs.
The letter also stated "Due to changes in the law, you need the pension service to confirm whether your state pension will increase if you pay any shortfall".
I contacted the number and the response was that they will send me out a pension forecast.
I can already get a pension forecast on line so I am not sure what that will do for me.
Did anyone else ring them and if so, what sort of response did you get?
Maybe the guy who answered was not up to speed on these new requirements.

I am also wondering if I shouldn't just pay a few years contributions now to "test the waters".
Has anyone got any thoughts on that.
TIA
 
Weird.. I got my letter with a list of lower contributions all old ones due by April 2025. Grand. But I went online to pay and the website still has the £800+ per annum showing.
Does it take them a while to update it?
 
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