Hi all,

I was checking my dad’s State Pension forecast and have a few questions. Even though I’ve completed my CII Level 4, I still can’t quite figure this out myself. Any help would be much appreciated.

As shown in the pictures, he has two missing NI years for 2020–21 and 2021–22. Assuming he fills these gaps, together with the 3 full years already on record, that would give him 5 qualifying years.

If we then assume he continues working until the 2029–30 tax year, which is when he will reach State Pension age, the remaining years would be:

	•	2025–26

	•	2026–27

	•	2027–28

	•	2028–29

	•	2029–30 (SPA)

This would bring the total to 10 qualifying years.

I understand that you no longer pay NI once you reach State Pension age. Based on his current earnings (£25000 p.a £2,083 p.m), between April and August (his birthday) he should be earning above the Lower Earnings Limit, which means he would still qualify for NI credits for that tax year without actually paying NI. (assuming he working the same hours and same pay)

If my understanding is correct, why does the forecast say that he will not be able to get the 10 years needed?

Also, in a scenario where he has to work part-time or stop working due to health or other reasons, would he not be able to pay Class 3 NICs for the 2029–30 tax year to make it a qualifying year? (I understand that you cannot pay class 3 NIC when he reached SPA,but does that include the tax year 29/30 or the tax year after that only)

Again, any input would be really helpful! If he not gonna be able to get 10 qualifying years then at least we don't have to waste money filling those gaps😅

Please help on state pension Qs