national insurance

When do I stop paying national insurance?

You pay national insurance contributions until your state pension age.

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

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.

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Top up your state pension now to avoid contribution cost hike in April

Those considering paying voluntary National Insurance Contributions (NICs) should get their skates on or face a hike in the cost of making up gaps.

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

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:

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Should I continue to pay national insurance?

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.

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Chancellor sneaks in hidden National Insurance hike with personal allowance increases

Hidden National Insurance rise will undermine gains from personal allowance rise to £50,000 for higher earners

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Should I buy back my missed pension years?

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...

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I am retired and did some freelance work - should I register as self-employed?

If you know that by paying two years of NICs you will boost your state pension, then the cheapest option is to check whether looking after your grandchildren qualifies you for NI credits.

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If you're unemployed, can you pay national insurance and set up a pension plan?

It’s important to understand why your daughter wants to make national insurance contributions.

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Should I make up the shortfall in my National Insurance Contributions?

Making voluntary NICs can prove good value for those who aren’t heading for the full state pension.

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