Articles by Michelle Cracknell

When do I stop paying national insurance?

Tuesday, 14 May 2019 | Question and Answer

You pay national insurance contributions until your state pension age.

Can I benefit from my late husbands’ state pensions?

Friday, 03 May 2019 | Question and Answer

As your state pension age is after April 2016, the new state pension rules apply to you. In most cases, your state pension is now based on your own NI record and therefore will be paid at your state pension age.

Do I pay national insurance now I’m self-employed?

Wednesday, 20 March 2019 | Question and Answer

Like most employed people, you are required to pay NICs if you are under state pension age. There are two types of national insurance if you are self-employed – class two and class four.

Will I always get more for my state pension?

Wednesday, 20 February 2019 | Question and Answer

As you reached state pension age before 6 April 2016, you were given the option of a lump sum or an increase to your state pension when you chose to defer starting to take your pension.

Will my pension be cut as I don’t claim child benefit?

Wednesday, 30 January 2019 | Question and Answer

The introduction of the new state pension was the end of ‘Mr & Mrs’ pensions and requires each person to build up their own entitlement to the state pension through national insurance contributions (NICs).

Does state pension reduce if you stop paying NICs?

Wednesday, 02 January 2019 | Question and Answer

No, your pension will not reduce. If you are reaching state pension age after April 2016, you will receive the full amount if you have contributed or received credits for national insurance for 35 years.

I have retired early but will I be better off if I continue to pay NICs for longer?

Friday, 21 December 2018 | Question and Answer

It is possible that your new state pension is less than the full rate of £164.35 per week. There are two main reasons this could happen:

Should I continue to pay national insurance?

Friday, 07 December 2018 | Question and Answer

You are correct in thinking that you need to have 35 years of NICs to qualify for the full state pension and you need a minimum of 10 years to receive anything.

Can I claim my late husband’s state pension?

Tuesday, 23 October 2018 | Question and Answer

In most cases your state pension is now based on your own national insurance record and therefore will be paid at your state pension age.

Should I buy back my missed pension years?

Wednesday, 26 September 2018 | Question and Answer

To be eligible for the full state pension, which is currently £164.35 a week, you will need to have at least 35 qualifying years of NICs – or credits that you are given as a carer or because you are in receipt of other state...