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National Insurance is paid from the age of 16 until state retirement age, on earnings above the NI threshold.

What if I carry on working when I reach state pension age?

Even if you continue working, once you reach state pension age you will no longer be required to make National Insurance contributions. If you continue in self-employment you might pay Class 4 NI in the year that you reach state retirement age. However, you won’t have to pay them the following year.


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Why do I have to pay NI?

The National Insurance Contributions you pay will build up an entitlement to some benefits, such as the state pension.

How much National Insurance do I have to pay?

There are different types of National Insurance Contributions. The type you pay depends on whether you are self-employed or employed. The amount you contribute depends on your level of earnings.

About The Author

Kara Copple

An experienced business and finance writer, sometimes moonlighting as a fiction writer and blogger.

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Martin Lynch
Martin Lynch
4th April 2012 9:40 am

Do I still have to pay NI on my company pension if I’m drawing it before Stage Retirement Age – i.e. at age 59?

Paul Kennedy
Paul Kennedy
5th February 2013 4:53 pm

If I take earlyretirement at say age 60 and receive a company pension do Istillhave to pay NI contributions until age 65? I have been working and paying NI contributions since age 18.

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