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Posted Tue, 24 Sep 2024 22:00:19 GMT by WobagUK
Im not currently paying NI contributions, I'm on an open ended career break for family health reasons. I've come into a bit of money and think paying off recent missing years of contributions is a good way to go. When I look at the contributions website and go through to pay, it asks me when I intend to stop paying contributions. There are options like: 'I already have' or 'when I reach pension age' If I say 'when I reach pension age', it says I have 0 options and therefore cant pay. But if I say 'I already have', does that mess me up in the future if I want to start paying through work again? I have loose plans to become self employed in the future, but it might just be a side hussle or completely fizzle, or I might eventually go back into a conventional job. There doesnt seem to be an option for 'Im not paying right now, and dont know what my working future (hence contributions) is going to be'. What option do I choose or am I out of luck trying to do this right now?
Posted Wed, 09 Oct 2024 09:08:36 GMT by HMRC Admin 20 Response
Hi,
Before deciding to pay voluntary National Insurance contributions, it would be worthwhile to first obtain a State Pension Forecast.  
The Forecast will detail your current and future entitlement to a State Pension and detail any shortfalls of voluntary contributions that might improve your pension.  
You can find this via Check your State Pension forecast
After receiving your Forecast you can then decide whether to pay voluntary contributions.
Thank you.

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