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Posted 3 months ago by Derek Howe
I resigned from the NHS in 2019 and then took age retirement in 2020. Since 2021 I have been employed by same trust on a part-time, as required basis. I've now decided to fully retire and my final payslip is dated November 2024. The following details are from my last payslip - year to date: Salary: £62215 Gross pay: £25196.82 NI Pay: £21748.42 NI Contributions: £1232.34 Based on my payment record to 31 March 2024, to obtain a full state pension from February next year, I will need to fill a couple of years (19/20 and 22/23) but do not understand if this year's contributions have any effect. Do this year's contributions constitute a full year and, if I were to buy the two missed years now, will I end up overpaying? Thanks in advance
Posted 3 months ago by HMRC Admin 20 Response
Hi,
The annual lower earnings limit for the current tax year 24/25 is £6396.
If your annual earnings are above this figure you should receive a full qualifying year.
For best advice on how many tax years you need to voluntary pay to get your maximum State Pension you will need to speak to the Future Pensions Centre.
Please find the contact details below:
Number      
0800 731 0175
Text Relay
18001 0800 731 0176
+44 191 218 2051
Welsh
0800 731 0453
Overseas
+44 191 218 3600
Address
The Pension Service 9
Mail Handling Site A
Wolverhampton
WV98 1LU
United Kingdom
Open
8.00am to 6.00pm Monday to Friday
Thank you.

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