National Insurance credits for Family members who care for a child

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

Post by macliam » Mon Jan 23, 2017 12:44 pm

Re-checking, there now seems to be a checker for NI contributions - YAY!!! :thumbup:

So, logged on - it wants your "Government Gateway" signon, so tough luck if you've never had to do this, you'll have to apply and wait. :evil: - But not for me!! I have my signon :thumbup:

But now it wants further confirmation ..... by phone, mobile or app. I chose app, download Google Authenticator. :roll:
Use camera on the QR code displayed and type in number. No comment, presume OK :eh:

Then it wants to further check my identity. No problem, give Address, etc :thumbup:

Now it contacts a credit checking agency for further confirmation :shock:
Questions like "what Credit Card did you apply for in 2007" :wtf:

Then, no warning, "Too many attempts" and locked out for 24 hours!!!!!!!

They asked for comments ...... steam was coming from the keyboard!! I didn't realise my NI contributions were more important than my Bank details!!
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Re: National Insurance credits for Family members who care for a child

Post by bobster007 » Mon Jan 23, 2017 5:19 pm

Think you can ask for your NI contributions printed out and sent to you without the need to sign in.

https://www.gov.uk/check-national-insur ... s-to-apply

Near bottom there is a other way to apply drop down/link.

Think that was what I performed whilst assisting my uncle last year on this. It takes a couple of weeks to be sent though
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Re: National Insurance credits for Family members who care for a child

Post by macliam » Mon Jan 23, 2017 8:08 pm

OK, I tried again for my pension statement - now via an online app as well.

It asked for my Government Gateway signon again - fine - but now it uses a different authenticator!!! Downloaded a Post Office app and got my forecast via the code generated by that. It looks like I'll get about £18 less than the max due to having been contracted out, so I'm not too bothered as I think it's a general issue that has already been discussed.

So, then I thought "let's see about the NI contributions again", but, oh no, Post Office authentication doesn't work there! It wants the code generated by Google authenticator, but then locked me out again!

Total garbage - and we're paying for this!!
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Re: National Insurance credits for Family members who care for a child

Post by blythburgh » Thu Jan 26, 2017 10:19 am

On a similar theme how many know about this which is being discussed on Woman's Hour (BBC Radio 4) today:

From April 2017 families with more than two children will no longer be able to claim tax credit on third and subsequent children. An exception will be made for third children born as a result of rape. Jenni discusses the impact of this change with Sarah Champion, MP for Rotherham and Shadow Secretary of State for Women and Equalities and Sarah Green, Co-Director of End Violence Against Women.
Last edited by blythburgh on Thu Jan 26, 2017 10:23 am, edited 1 time in total.
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Re: National Insurance credits for Family members who care for a child

Post by blythburgh » Thu Jan 26, 2017 10:23 am

Wonder how much it is costing macliam to replace the computer and the window he broke. Can he claim costs back from Govt. as it was their website that caused him to throw said computer through the window in the first place.
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Re: National Insurance credits for Family members who care for a child

Post by macliam » Thu Jan 26, 2017 10:58 am

blythburgh wrote:Wonder how much it is costing macliam to replace the computer and the window he broke. Can he claim costs back from Govt. as it was their website that caused him to throw said computer through the window in the first place.
:mrgreen:

The problem is, as an ex-IT guy I can see the issues and the mistakes .... so it's frustrating to see that lessons I thought were long learned seem to come back.

Firstly, I applaud the trial of an external authenticator to reduce the threat of identity theft, but I can't understand why two linked departments are taking different approaches .... one using a generic Google tool and the other using one hosted by the Post Office, etc. If you want to run a beta-trial, run a beta-trial and then evaluate the outcome .... but don't run two products at the same time

Secondly, if the user inputs incorrect information, you MUST inform them. By all means keep a count of errors and implement a "three strikes and you're out" policy, but you must ensure that any error is not due to misunderstanding of "fat finger" issues. I still don't understand why I was locked out of the NI system - twice!

In a commercial environment, you really don't get the opportunity to make such mistakes without comeback ..... but I fear this may not be the case in this situation :(
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Re: National Insurance credits for Family members who care for a child

Post by jaytee » Wed May 22, 2019 12:38 am

Derbiean wrote:
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.
I started work in 1984 and worked ever since. I've already paid 35 years NI and still have another 15 years to work and pay until I can claim at age 67 (unless they raise the pension age again). So I've already 'overpaid' by 5 years with a potential further 'overpayment' of 15 years, and I am sure they are many others in a similar situation having paid more that their 30 years. So that will go towards they credits given to others who have not made - not really costing the government much, just a redistribution of wealth - even if I earn less that the UK average wage of £26,500.

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

Post by expressman33 » Wed May 22, 2019 10:18 am

jaytee wrote:
Wed May 22, 2019 12:38 am

I started work in 1984 and worked ever since. I've already paid 35 years NI and still have another 15 years to work and pay until I can claim at age 67 (unless they raise the pension age again). So I've already 'overpaid' by 5 years with a potential further 'overpayment' of 15 years, and I am sure they are many others in a similar situation having paid more that their 30 years. So that will go towards they credits given to others who have not made - not really costing the government much, just a redistribution of wealth - even if I earn less that the UK average wage of £26,500.
Have you had a pension forecast to check this
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