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Posted 27 days ago by D
Dear Sir or Madam, Now that I have 25 full NI contributions towards my state pension I understand any further contributions are not going to make my pension any higher. Am I allowed to pass my future NI contributions from now on to my spouse, who wants to give up her job to focus on full time parenting? If so how exactly do I apply for it? Many thanks in advance!
Posted a day ago by HMRC Admin 20 Response
Hi D,
I would first of all check with DWP as the minimum number of years needed for 100% state pension is 35 years not 25.
Next it’s not possible to transfer NI contributions, if the customer is still working and still liable to pay NI then it will be deducted.
If the spouse is caring for children then it is possible to claim Child Benefit which can give credits towards state pension for the spouse even if they don’t take the CHB payment.
Thank you.
Posted a day ago by D
Dear HMRC Admin,
Thanks for your reply.
Just wanted to comment on this one: >
I would first of all check with DWP as the minimum number of years needed for 100% state pension is 35 years not 25.
That you for pointing that out. Section 3 of DWP's "Your State Pension Explained" page says 35 years only apply to those w/o any NI record before 6 April 2016.
My spouse did make NI contributions before that date, so I understand she needs at least 10 years rather than 35 as per the old rules - here's the quote from the same section: "For the new State Pension, you will normally need at least 10 ‘qualifying years’ on your National Insurance record to get any State Pension.
These can be from before or after 6 April 2016, and they don’t have to be 10 years in a row. Your State Pension explained
Thanks & Regards, D.
Posted about 13 hours ago by HMRC Admin 13 Response
Hi D 
The 10 qualifying years refers to “any state pension” not the maximum state pension.
As advised if your wife is claiming child benefit she will receive credits automatically.
Please see the guidance at: Apply for National Insurance credits if you’re a parent or carer.
You, or your wife, can then check the allocation of the national insurance payments and full years through the following if you have set up either: 
• your individual personal tax account 
• the individual official HMRC app  
Alternatively you can check your own, or your wife can check hers, through the links available at: Check your National Insurance record.
Thank you.
 
Posted about 10 hours ago by D
Hi HMRC Admin - thank you!

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