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Posted 3 months ago by Chris Hoskins
Hello I am 63 years old and have a shortfall of 2 years in my National Insurance record. I was employed up until April 2020 when I retired. My state pension age is 67. I have a private pension of £25000 per annum. I have been self employed since 8/4/2023, doing about 2 days per month casual jobs in retirement, earning about £3200 per annum. No other sources of income. Should I top up my 2 year National Insurance shortfall by paying the required lump sum amounts shown in my National Insurance record for years 2020-2021 and 2021-2022 (Voluntary Class 3 contributions) to give me the extra 2 years, or should I pay voluntary class 2 National Insurance contributions as part of my recent self-employment for the next 2 years? Please advise the approach I should take. Thank you.
Posted 3 months ago by HMRC Admin 18 Response
Hi,
This forum is for general queries only and is intended to help you self-serve. We are unable to provide specific advice tailored to individual circumstances. 
You may wish to contact our National Insurance  team:
National Insurance: general enquiries
or consider seeking professional advice. 
Thank you.
 

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