I'm not disputing thatOriginally Posted by grahamw48
You were signing for 'credits'...National Insurance Credits. (Stamps to you and me) to keep your pension up to full rate.
I used to work at the Dept of Employment, so know these miscellaneous facts.... but how come I had to amass 40 years of NI stamps when others claim it's 30?
See my post above...
I started full-time employment in May 1968, so there's a few years.
quite a good scam isnt it20 yrs for me
I have worked ever since i left school only to be told sorry you know will have to wait until you are 67 to collect your pension....What a shower ofS**T this country has become
people are living longer now so perhaps they dont make quite as much, but they surely must still be making a big big profit
Oops ... our respective posts seem to have crossed, Graham;I guess I've just been unlucky!
was there not a different scheme ?before what we have now, i vagely remember it being changed when i first started out as an apprentice,,,I'm not disputing that
there may have been 3 items taken off your wage, 1, tax,, 2 a national ins contribution,( but it might have had a different name) 3 there was something else not sure its name, but i think it might have been to cover sickness and or unemployment,
anyway it was changed and a new name which was nat ins contributions, but no one recieved anything back from the old system that they had been paying into, ??
i remember the older guys complaining of that.
Graduated pension ?
NI cont. has always been there. They've just changed the percentage over the years, taken from gross earnings....with a lower and upper limit.
It could have been a flat rate in the early years though.
im not sure what it was graham, i just vagely remember a change , and a new name, that the old system would stop and the new one introduced, this was very early on of me me 1st starting work,
i remember my boss and they guys i worked with talking about it, those things were new to me then anyway and i didnt understand what these things actualy was,, i may have got some detail wrong,
but there was definatly a change and a lot of grumping about what happens to what they had paid in already
i was wondering if this was something to do with why Arthur says 40 yrs
... too bloody RIGHT!!
would you remember anything about that Arthur?
it was too early on in my start to working, to fully remember details,,,
i remember getting my wage pkt, and also i think it was a pale green slip(not tax and ins) i think this slip was the old reciept of what had been paid into the scheme,
it could also have been a one off slip when it ended, but im thinking i got this slip weekly, and seperate to wage tax reciept, after the system changed there was no longer reciept a ticket
, Stewart ... not really. But then, I never took much interest in these things when younger; all I can remember was getting a monthly salary slip showing the deductions you mentioned.
pity i managed to save many a p60 from years back, but nothing in connection with this from then, if i had i could proberby figure what it was ect
It is still showing on our payslips Arthur. One thing is for sure we are all being screwed,
Well, in my even dimmer past I also used to be a wages clerk..doing pay sheets for 200 people.
It's possible that what you're thinking of is when the transition was made from actual little stamps that used to be stuck on to your National Insurance Card, to when they started deducting a percentage of your gross wage at source.
This would have been around the early seventies.
heres one to confuse you , who opted out or opted in to their pension, and who dont know what they did when it happened, i am one of the last question, and i have no idea where i am with the state pension too,
You can phone up and ask them anytime...or easier, check on their website.
thanks graham i am on their site now, pensions
It's pretty straightforward to get a proper individual state pension forecast
October 2012 - workplace pension
Don't know if this will affect anyone on here:-
Enrolling into a pension at work
yes it is, i got a forcast last year, they reply with details of how many years you have paid and state that for full pension is 30 yrs contributions,It's pretty straightforward to get a proper individual state pension forecast
they will tell you if you fall short and if so details how to ammend the shortfall if you wish to enable you to draw the full pension
they also answered a question for me, on claiming pension from outside the uk
yes it is, says i will get £102.15p a week when i am 66 in 2024, add my rental income, savings and private pension and bits and bobs, i may be rich, well not here
i started from this link , then applied for forcast
http://www.direct.gov.uk/en/Pensions...ning/index.htm
here is one about qualifying years
http://www.direct.gov.uk/en/Pensions...on/DG_10014671
and one about pension forcast, and can apply online
http://www.direct.gov.uk/en/Pensions...st/DG_10014008
Give me that £102.15p a week now and i will be gone.yes it is, says i will get £102.15p a week when i am 66 in 2024,add my rental income, savings and private pension and bits and bobs, i may be rich, well not here
depending on when you were born of courseI'm not disputing that
this may explain it Arthur
How many qualifying years do you need?
The number of qualifying years you need for a full basic State Pension depends on your age and whether you're a man or a woman.
Men born before 6 April 1945 usually need 44 qualifying years.
Women born before 6 April 1950 usually need 39 qualifying years.
Men born on or after 6 April 1945 need 30 qualifying years.
Women born on or after 6 April 1950 need 30 qualifying years.
see link
http://www.direct.gov.uk/en/Pensions...on/DG_10014671
It's pretty straightforward to get a proper individual state pension forecast... having had several.
That's ME ... born 19 September, 1944.
, Stewart ... appreciate the link.
your very welcome, Arthur
glad im some use
SlightlyBut, believe it or not, folks ...
Then, in 1989 ... my father died suddenly of a massive heart attack, complicated by emphysema - the start of a downward spiral -because, within months of returning from a period of *compassionate leave, I was transferred from the job I'd painstakingly built up over the previous 14i/2 years ... usurped by a relatively new female member of staff whom I'd trained up to *cover my absence ... to a clerical/administrative post in mainstream Social Services and, although I retained my salary grade, I had, to all intents and purposes, been effectively downgraded. Simultaneously, I found myself struggling to keep a Boys' Brigade Company afloat ... with precious little support from the recently-appointed, modern-minded Church Minister - who seemed unable to reconcile with uniformed, "militaristic" organisations - regarding them as outdated.
Finally, in 1991 ... my wife developed Non Hodgkin's Lymphoma - from which she subsequently died - and I found myself at a crossroads. And so ... with my two children already grown-up and sel-sufficient, I eventually applied for - and was granted - early retiral in June 1993 ... one of the best decisions I've ever made in my life!
Happy retirment
your very welcome, Arthur
glad im some use
Thanks ... I was ecstaticHappy retirementto be outta that place!
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