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Posted 10 days ago by Sandra
I have been living and working in the UK as a EU citizen for the last 7 years, and I have settled status. Du to my partner's (UK citizen) ill health, I am considering early retirement and, temporarily, live from our private pension. I am also aware that, to qualify for a minimum state pension once reaching normal pension age, I need to have contributed for at least 10 years. Would it be possible, as a non-UK citizen but with settled status, pay voluntary NI contributions for the next couple of years to reach those 10 years?
Posted 4 days ago by HMRC Admin 8 Response
Hi,
If you are taking early retirement and not being employed or in receipt of a benefit, you can pay voluntary National Insurance before the tax year you reach state pension age.
You can only pay for a tax year once it has been completed if you have undertaken any employment or received any benefits with the tax year and you cannot pay for future tax years. A tax year runs from 6 April to 5 April.
You can check your state pension forecast:
Check your State Pension forecast once you have verified your identity for a personal tax account. 
With the pending deadline to pay voluntary National Insurance for older tax years on 5 April 2025, you can register you interest with DWP (Department for Work and Pensions) if you need to - Contact the Future Pension Centre 
DWP will advise you if any older tax years can be paid before the deadline and if they will assist your requirements to reaching 10 qualifying tax years.
If you no longer live in the UK, you will need to complete form CF83 and review the NI38 paying voluntary National Insurance from abroad.
The deadline also applies for 05/04/2025 for overseas tax years. Social Security abroad: NI38
Thank you.



 

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