National Insurance credits for Family members who care for a child

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National Insurance credits for Family members who care for a child

Postby expressman33 » Wed Jan 18, 2017 11:29 am

https://www.gov.uk/national-insurance-c ... ligibility

I already have enough NI qualifying years to get a full pension but my wife doesn't . On reading the above site it looks like my wife can apply for NI credits as we look after Leo whilst Rachael is at work

Family members who care for a child
Your situation
You’re a family member over 16 but under State Pension age and you’re caring for a child under 12 (usually while the parent or main carer is working)

How to get credits
Apply for Specified Adult Childcare Class 3 credits https://www.gov.uk/government/publicati ... its-ca9176

https://www.gov.uk/government/uploads/s ... redits.pdf

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Re: National Insurance credits for Family members who care for a child

Postby expressman33 » Wed Jan 18, 2017 10:09 pm


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Re: National Insurance credits for Family members who care for a child

Postby planteria » Thu Jan 19, 2017 8:44 am

looks good for those in that position :thumbup:

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Re: National Insurance credits for Family members who care for a child

Postby blythburgh » Thu Jan 19, 2017 8:58 am

Only what they should be getting and it needs promoting so they know.
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Re: National Insurance credits for Family members who care for a child

Postby planteria » Thu Jan 19, 2017 9:31 am

a lot of people receive a full state pension having contributed nothing at all via NI, so no doubt that this should work out.
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Re: National Insurance credits for Family members who care for a child

Postby blythburgh » Thu Jan 19, 2017 11:30 am

planteria wrote:a lot of people receive a full state pension having contributed nothing at all via NI, so no doubt that this should work out.


I think very few get a full state pension without any NI contributions. But parents, carers etc who get free NI contributions are contributing the good of society. The unemployed usually work for part of their lives. The disabled who get free NI contributions deserve them because they are too disabled to work or those disabled unable to get a job because employers refuse to employ them also deserve the free contributions.

But I would say those who spend their whole lives not contributing must be very few. A lot, especially amongst the older population is larger, but they usually have some but not enough full years to get the full pension.
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Re: National Insurance credits for Family members who care for a child

Postby planteria » Fri Jan 20, 2017 9:46 am

our approach is aligned, and i'm sure most do.. but a lot of people have arrived in the UK, paid zero NI, and are on full state pension.

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Re: National Insurance credits for Family members who care for a child

Postby blythburgh » Fri Jan 20, 2017 11:40 am

planteria wrote:our approach is aligned, and i'm sure most do.. but a lot of people have arrived in the UK, paid zero NI, and are on full state pension.


Again I query the words "a lot" I very much doubt there are very many. And many of those who do are getting it because their spouse worked and paid NI.
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Re: National Insurance credits for Family members who care for a child

Postby planteria » Fri Jan 20, 2017 8:54 pm

i don't mind how many you consider to be "a lot". the point is that people have arrived in the UK and been awarded a full state pension. so people who have lived here all of their lives and contributed, as referenced in this thread, are at least equally entitled to receive the state pension that our taxes fund.

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Re: National Insurance credits for Family members who care for a child

Postby Derbiean » Fri Jan 20, 2017 10:25 pm

planteria wrote:our approach is aligned, and i'm sure most do.. but a lot of people have arrived in the UK, paid zero NI, and are on full state pension.


Thats incompatible with the eligibility for a full state pension, you have to pay NICs or be credited with them.

To get the full basic State Pension you need a total of 30 qualifying years of National Insurance contributions or credits. This means you were either:

working and paying National Insurance
getting National Insurance Credits, for example for unemployment, sickness or as a parent or carer
paying voluntary National Insurance contributions


https://www.gov.uk/state-pension/eligibility

You simply cannot come to the UK and get a free pension its not how the eligibility criteria works, the same criteria applies to UK citizens.

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