A previous edition of the guide was downloaded more than 70
If you can spare the money and qualify you really, really should (Image: Surrey Advertiser)Get money updates directly to your inboxSubscribeSee our privacy noticeMore newslettersPeople who have stopped work before reaching state pension age are being urged to check whether they could top up their retirement pot at “heavily subsidised” rates.Royal London said now that the financial year 2017 18 is complete, people can top up their national insurance (NI) records for that year if they do not already have a qualifying year towards their state pension.The new state pension was introduced in April 2016 and covers people reaching state pension age from then on. Under the new system, people generally need 35 qualifying years to get the https://www.replicahandbagstc.com full new state pension.Read MoreHow to prepare for retirementPeople might have built up a qualifying year if they have, for example, made sufficient national insurance contributions or been entitled to national insurance credits.Those who are set to be short of the full state pension can potentially top it up by making voluntary replica bags contributions.Royal London said someone making voluntary contributions for the year 2017 18 may potentially find they get more back than they paid in after drawing their state pension for just four years.Who already qualifies, and who can make NIC top ups2017/18 will be a qualifying year if you:Were working through the year and paying NICS on earnings of per week or more; Were working through the year and earning more than the Lower Earnings Limit of per week and being credited with NI contributions; Were receiving NI credits because of receipt of a qualifying benefit including carers allowance or child benefit for a child under 12; Had successfully applied for NI credits for particular groups such as certain grandparents, certain carers etc. Were a man close to pension age who receives ‘automatic credits’ for being above women’s state pension age for the whole year; If 2017/18 is not a qualifying year, it is now possible to pay voluntary (Class 3) NICs for that year in order to boost your pension.A previous edition of the guide was downloaded more than 70,000 times.In some exceptional cases it may not be worth paying voluntary contributions, for example if people expect to be receiving certain benefits, Royal London said.
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