EdithJJ

Hello, Thank you for your response. Could I please check whether dividend income or other self employed income affects these limits ? 1) If I am employed and earn between £6,396 and £12,570, but also receive dividends of £10,000, are my employed earnings count towards a qualifying year for pension purposes without paying class one National Insurance contributions? 2)If I am employed and earn between £6,396 and £12,570, but also receive self employed income of £10,000, are my employed earnings count towards a qualifying year for pension purposes without paying class one National Insurance contributions? Thank you.

Understood. I do have some self-employed income, so that could have an impact. In this instance, how much should my employed income be for the National Insurance contributions to count as fully paid for a qualifying pension year?

Hello, I have a question regarding National Insurance contributions and pension gap years. I understand that if I am employed and earn between £6,396 and £12,570, even though I am not paying National Insurance contributions, I would receive "free National Insurance credits," and this would not be considered a gap year for the pension. Is that correct? However, when I view my National Insurance record, I can see that for those years where I earned between these amounts, (i.e I earned £10,000 in 2021-2022) it says "Year is not full." I'm confused about whether I need to pay to fill these gaps or if these years still qualify for the pension if not paid. Thanks

Hello, I have a question regarding National Insurance contributions and pension gap years. I understand that if I am employed and earn between £6,396 and £12,570, even though I am not paying National Insurance contributions, I would receive "free National Insurance credits," and this would not be considered a gap year for the pension. Is that correct? However, when I view my National Insurance record, I can see that for those years where I earned between these amounts, it says "Year is not full." I'm confused about whether I need to pay to fill these gaps or if these years still qualify for the pension? Thank you