Couple Planning Pension
  • 01 Jun 2016

To receive the full state pension you need to build up 35 qualifying years of national insurance contributions (NIC) or to receive NI credits. If you have at least 10 qualifying years but less than 35 you will receive some state pension, but not the full amount (currently £155.65 per week).

The actual amount of your pension will also depend on whether you were contracted out of the second state pension and paid into a private pension instead. Contracting out is not possible after 6 April 2016.

You are credited with NIC when you earn above a minimum weekly rate (£112 for 2016-17). NI credits are added to your NI account when you claim child benefit, the child is under 12 and you are not working. If another member of your family is looking after the child while you work, you can request that your NI credits may be transferred to that person.

It is possible to make up for missed years by paying voluntary Class 3 contributions. Alternatively, if you are self-employed you can pay Class 2 NIC for restricted periods.

If you reached state pension age before 6 April 2016 and are already in receipt of a state pension, you can boost its value by up to £25 per week by paying voluntary Class 3A NIC. The exact amount you need to pay to get a further £1 per week of pension depends on your age. The top-up amount must be paid before 5 April 2017.

We can answer your questions about paying voluntary NIC, and help you budget for retirement.

Property
Property
Previous post
Letting holiday cottages
Cottage
Next post

107 thoughts on “Maximising your state pension”

  1. After going over a handful of the blog articles on your website,
    I truly like your technique of writing a blog. I saved it
    to my bookmark website list and will be checking back in the near future.
    Take a look at my web site too and tell me your opinion. 0mniartist asmr

  2. Hello, this weekend is nice designed for me, since this moment i am
    reading this enormous informative piece of writing here at my residence.
    asmr 0mniartist

  3. I’m really impressed with your writing skills and also with the layout on your blog.
    Is this a paid theme or did you modify it yourself?
    Anyway keep up the excellent quality writing, it’s
    rare to see a great blog like this one nowadays. asmr
    0mniartist

  4. I would like to thank you for the efforts you’ve put in penning this
    website. I am hoping to see the same high-grade content from you
    in the future as well. In fact, your creative writing abilities has encouraged me to get my own, personal website now
    😉

  5. Hey There. I discovered your weblog the use of msn. That
    is an extremely neatly written article. I will be sure to bookmark it
    and come back to learn more of your helpful info. Thank you for the post.

    I’ll certainly return.

  6. Hello there! This article could not be written much better!
    Reading through this article reminds me of my previous
    roommate! He constantly kept preaching about this.
    I most certainly will send this information to him.
    Pretty sure he’ll have a very good read. Many thanks for sharing!

  7. This is really attention-grabbing, You’re an excessively professional blogger.
    I’ve joined your rss feed and stay up for in the hunt for more of your fantastic post.
    Also, I have shared your web site in my social networks

  8. I have been exploring for a bit for any high quality articles
    or weblog posts in this sort of area . Exploring in Yahoo
    I eventually stumbled upon this web site. Studying this
    information So i am glad to show that I’ve a very just right uncanny feeling I came upon exactly what I needed.
    I such a lot indisputably will make certain to don?t omit this site
    and give it a look regularly.

  9. It’s very trouble-free to find out any topic on web as compared
    to textbooks, as I found this article at this
    web site.

  10. You have made some really good points there. I looked on the net
    for more information about the issue and found most
    individuals will go along with your views on this
    web site.

  11. Have you ever heard of second life (sl for short). It is basically a game where you can do anything you want. sl is literally my second life (pun intended lol). If you want to see more you can see these second life articles and blogs

  12. scoliosis
    Hello, I enjoy reading all of your article post. I wanted to
    write a little comment to support you. scoliosis

  13. scoliosis
    Excellent blog! Do you have any hints for aspiring writers?

    I’m hoping to start my own website soon but I’m a little lost on everything.
    Would you propose starting with a free platform like
    Wordpress or go for a paid option? There are so many choices out
    there that I’m completely overwhelmed .. Any ideas?
    Thanks a lot! scoliosis

  14. scoliosis
    Having read this I thought it was very informative. I appreciate you taking
    the time and energy to put this information together. I once
    again find myself spending a significant amount of time both reading and commenting.
    But so what, it was still worth it! scoliosis

  15. dating sites
    I think what you composed was very reasonable.
    However, consider this, suppose you were to write a awesome headline?
    I ain’t suggesting your information is not solid, but suppose you added a post title to maybe
    grab a person’s attention? I mean Maximising your
    state pension – Novakovic & Co is kinda vanilla. You might
    look at Yahoo’s home page and note how they create article headlines to grab people
    to open the links. You might try adding a video
    or a pic or two to grab people excited about what you’ve got to say.
    Just my opinion, it could make your posts a little livelier.
    free dating sites

  16. I believe that is among the so much significant
    information for me. And i am glad reading your article.
    However should statement on few basic things,
    The site style is perfect, the articles is truly great :
    D. Just right process, cheers

  17. With havin so much written content do you ever run into any issues of plagorism or copyright infringement?
    My site has a lot of completely unique content I’ve
    either created myself or outsourced but it seems a
    lot of it is popping it up all over the web without my permission. Do
    you know any solutions to help reduce content from being ripped off?

    I’d certainly appreciate it.

  18. I think this is one of the most vital info for me.
    And i’m satisfied reading your article. But should observation on some basic things,
    The site taste is perfect, the articles is really excellent : D.
    Excellent process, cheers

  19. Have you ever considered publishing an e-book or guest authoring on other websites?
    I have a blog based upon on the same topics you discuss and would love to have you share some stories/information. I know my visitors would value your work.
    If you are even remotely interested, feel free
    to send me an email.

  20. Hello would you mind letting me know which webhost you’re using?

    I’ve loaded your blog in 3 different internet browsers and I must
    say this blog loads a lot faster then most.

    Can you suggest a good hosting provider at a reasonable
    price? Kudos, I appreciate it!

  21. Hi there to every body, it’s my first pay a visit
    of this web site; this weblog carries amazing and really excellent information designed for visitors.

  22. Have you ever heard of second life (sl for short). It is basically a video game where you can do anything you want. sl is literally my second life (pun intended lol). If you want to see more you can see these sl articles and blogs

  23. Have you ever heard of second life (sl for short). It is essentially a online game where you can do anything you want. SL is literally my second life (pun intended lol). If you would like to see more you can see these sl websites and blogs

  24. Have you ever heard of second life (sl for short). It is basically a online game where you can do anything you want. sl is literally my second life (pun intended lol). If you would like to see more you can see these Second Life articles and blogs

  25. Have you ever heard of second life (sl for short). It is essentially a online game where you can do anything you want. Second life is literally my second life (pun intended lol). If you would like to see more you can see these second life articles and blogs

  26. Good day! Do you know if they make any plugins to protect against hackers?
    I’m kinda paranoid about losing everything I’ve worked hard on. Any tips?

  27. Hello There. I discovered your weblog the usage of msn. This is a really smartly written article.
    I will be sure to bookmark it and return to learn extra of
    your useful info. Thanks for the post. I’ll definitely comeback.

  28. Generally I do not read post on blogs, however I would like to say
    that this write-up very compelled me to check out and do so!

    Your writing taste has been surprised me. Thanks, quite great post.

  29. Have you ever thought about adding a little bit more than just your articles?
    I mean, what you say is valuable and all. However think of if you added some great graphics
    or video clips to give your posts more, “pop”!
    Your content is excellent but with images and video clips,
    this blog could undeniably be one of the very best in its niche.

    Very good blog!

  30. Howdy! This is my first visit to your blog! We are a collection of volunteers and starting a
    new project in a community in the same niche.
    Your blog provided us useful information to work on. You have done a wonderful job!

  31. Someone essentially help to make critically articles I’d state.
    This is the very first time I frequented your website page and to this point?
    I amazed with the analysis you made to make this actual put up amazing.
    Great process!

  32. Can I simply say what a relief to uncover an individual who actually knows what they
    are discussing on the web. You certainly understand how to
    bring an issue to light and make it important. More people must read this and understand this side of the story.
    It’s surprising you aren’t more popular because you definitely have the gift.

  33. Nice post. I used to be checking continuously this blog and I am impressed!
    Extremely helpful information specially the remaining section 🙂 I maintain such info a lot.
    I was seeking this certain information for a very lengthy time.

    Thanks and best of luck.

  34. Hi! I know this is kinda off topic but I’d figured I’d ask.
    Would you be interested in trading links or maybe
    guest writing a blog post or vice-versa? My website covers a lot of the
    same subjects as yours and I believe we could greatly benefit
    from each other. If you’re interested feel free to shoot me
    an email. I look forward to hearing from you! Wonderful blog by the way!

  35. whoah this blog is wonderful i like reading your
    articles. Keep up the great work! You recognize,
    a lot of persons are searching around for this information, you can help them greatly.

  36. excellent submit, very informative. I ponder why the opposite experts of this sector don’t understand this.

    You must continue your writing. I’m sure, you’ve a great readers’ base already!

  37. I am now not positive where you are getting your info, but good topic.
    I must spend some time learning more or understanding more.
    Thank you for excellent information I used to be in search of this info for my mission.
    quest bars http://j.mp/3C2tkMR quest bars

  38. My developer is trying to convince me to move to .net from PHP.
    I have always disliked the idea because of the costs. But he’s tryiong
    none the less. I’ve been using Movable-type on numerous websites for about
    a year and am nervous about switching to another platform.
    I have heard excellent things about blogengine.net. Is there a way I can import all my wordpress content into it?
    Any kind of help would be really appreciated! asmr https://app.gumroad.com/asmr2021/p/best-asmr-online asmr

  39. I simply could not depart your web site prior to suggesting that I actually enjoyed the usual information an individual supply to your guests?
    Is going to be back continuously to inspect new
    posts scoliosis surgery https://0401mm.tumblr.com/ scoliosis surgery

  40. I don’t know if it’s just me or if everyone else experiencing issues with your site.

    It appears like some of the written text in your posts are running off the screen. Can someone else please provide feedback and let me know if this
    is happening to them as well? This could be a problem with my web browser
    because I’ve had this happen previously. Kudos scoliosis surgery https://coub.com/stories/962966-scoliosis-surgery scoliosis
    surgery

Leave a Reply

Your email address will not be published.