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Calculator Redundancy pay calculator. Home Work Employment. Work Employment. How does National Insurance work and should you be paying it? When will I pay National Insurance? Some benefits require a certain class of NI payment to have been made.
Maternity allowance requires Class 1 or Class 2 contributions to have been made — Class 3 contributions are not eligible. In some situations, you may get NI credits automatically, or you might have to apply for them. The credits will either be for Class 1 or Class 3, depending on your circumstances. Accept additional cookies Reject additional cookies View cookies. Hide this message. Home Money and tax Income Tax. National Insurance and tax after State Pension age. Print entire guide. Brexit Check what you need to do.
A minimum amount of contributions or credits is required for a year to count as a 'qualifying year' towards your overall contributions record. If you are a man born before 6 April or a woman born before 6 April go to the nidirect page about qualifying for basic State Pension for more information:. If you are a man born on or after 6 April or a woman born on or after 6 April go to the nidirect page about qualifying for new State Pension for more information:.
If you're employed you pay Class 1 National Insurance contributions based on your level of earnings. If you're self-employed you pay Class 2 contributions at a flat weekly rate and Class 4 contributions annually, based on your level of taxable profits. You may not be able to pay National Insurance, for example if you are ill or caring for someone. The government may give you credits so you can continue building up State Pension entitlement.
Find out who can get National Insurance credits, and whether you need to take action. There could be gaps in your National Insurance contributions record for various reasons. For example, you may have been:. It will tell you how much, if anything, your shortfall is, whether you are able to make up that shortfall, and how you can pay if you wish to do so.
These letters are generally sent out between September and January each year. The letter isn't a demand - but it will tell you how much you can pay if you want to fill the gaps and how you can pay if you opt to do so. You can check whether you're likely to have a gap in your National Insurance contributions record by requesting a State Pension statement from the Future Pension Centre.
Their office is in England.
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