Qualify for a full state pension

Qualifying years

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Hi everyone

I have a client (born 1966) who has just checked her National Insurance contributions record.

She has 33 qualifying years of full contributions (all before 6/4/16)

I understand under the new state pension rules that 35 qualifying years are required in order to achieve a full new state pension.

Is it correct that it is as straightforward as 2 more years of full contributions being required?

Many thanks in advance

Replies (6)

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By gilderda
19th Jul 2017 11:41

If she was born in 1966 she'll be claiming under the new State Pension rules which came into effect from 6 April 2016.

So to be entitled to the full basic State Pension she only needs 30 qualifying years, which she already has in place.

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Replying to gilderda:
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By SteveRA
19th Jul 2017 13:19

Are you sure? I think it is 35 years now for a full state pension, rules changed in April 2016.

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Replying to SteveRA:
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By gilderda
19th Jul 2017 15:46

SteveRA,

Just going off the guidance on Gov.uk, which suggests 30 qualifying years for a full basic State Pension

https://www.gov.uk/state-pension/eligibility

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Replying to gilderda:
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By simonhyett
19th Jul 2017 15:57

Thanks for the replies - I'm just going from the guidance which mentions 'You must claim the new State Pension if you reach State Pension age on or after 6 April 2016' - and that mentions 35 qualifying years required

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Replying to gilderda:
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By SteveRA
19th Jul 2017 21:35

Ah I see, but that is for the old style pension and the op's client will have to claim the new version which is 35 years' contributions.

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Caroline
By accountantccole
19th Jul 2017 12:12

I'm encouraging clients to set up their personal tax accounts as this is one of the useful things that is actually on there already, so they can check it directly.

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