Talk:National Insurance
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[edit]I thought national insurance was introduced much earlier, around the 1910s? Joolz 08:43, 31 Jan 2005 (UTC)
- When was the National Insurance Number first issued? --jmb 08:26, 21 July 2006 (UTC)
Here's some more raw material, that I'm not confident enough to put on the main page, it's just from my own personal research. Also perhaps should be in the http://en.wikipedia.org/wiki/State_Earnings-Related_Pension_Scheme page.
Basic State Pension
[edit]Currently you need to pay enough contributions to qualify for 44 years to get the full basic state pension. This is currently, Aug 2005, just over £82 per week. If you qualify for fewer years, you get proportionately less money. So if you qualified for just 11 years, you'll get 1/4 of the full amount per week. Less than 11 years, you get nothing. Everyone gets 5 years credit for free, so in practice you only need to qualify for 39 years.
You can qualify in a year by paying enough Class 1 or Class 2 contributions. (What are exact rules for this?) If you didn't pay enough due to not working or being out the country, then you can pay voluntary contributions to make yourself qualify for that year.
Proposals introduced through a White Paper in 2006 indicate that the number of qualifying years needed for a full pension will reduce to 30 years contributions for both men and women. The retirement age will be increased to 68 but it will be phased in.
id
[edit]"Consequently, NI numbers are sometimes used for identification purposes in other contexts which have nothing to do with their original National Insurance purpose. This is despite a clear claim on the back of the NI card, and a smaller claim on the front, that it is not proof of identity."
you need a NI number to set up a bank account —Preceding unsigned comment added by 86.16.160.17 (talk) 22:41, 16 April 2008 (UTC) look yeah i do this every so often when i get bored
State Second Pension
[edit]S2P (State second pension) is an additional income-related pension above the basic state pension. If you are an employee (paying Class 1 contributions), then some of your NI contributions automatically go into this. You are allowed to "contract out" of the S2P. This means the money is still collected by the Inland Revenue, but they pay it into your own special private pension for this purpose. If you are self-employed (paying Class 2 contributions) then you are not contributing towards an S2P. If a self-employed person is registered to contract out, then their contracted-out private pension will receive no contributions for the period while they are self-employed.
(? There are also occupational pensions here which do this differently, but I know nothing about them).
80.177.16.113 15:37, 10 August 2005 (UTC)
I see this page as an overview on the NI system - not a detailed guide - for which uses would be best consulting any of the leaflets issued by the HMRC or by talking to their staff. Many a false peice of advice has come from misleading information.
RichardLowther 20:54, 27 February 2006 (UTC)
NIRS2
[edit]I would argue that NIRS2 isn't a Windows based system. Although desk top accessible, it works by 'tabbing' across data with little mouse use and no graphical interfaces to assist in simple tasks. I am open to corrections. RichardLowther 20:54, 27 February 2006 (UTC)
- In any case is this section really necessary? Do we really need a detailed section here about the internal computer system used by HMCE to administer the system? It seems that it has been off the press radar for several years; the problems with it were some time ago now. I'm minded to cut this section down to a couple of concise sentences.BaseTurnComplete 14:44, 23 March 2007 (UTC)
The following material doesn't seem to meet current wikipedia standards, so I cut it from the article and moved it here for discussion:
- There have been various accusations and a great deal of evidence emerging of the data errors which have occurred during the implementation of this system. Some contribution data was lost completely it seems although neither the government, DWP or HMRC have been prepared to admit openly to this or the scale of the data loss. There is a great deal of evidence now that some contributors, including those who have already retired, have lost contributions in their records of both basic NI and SERPS. This is proven by the fact that the government and HMRC have latterly admitted that they have millions of pounds of both NI contributions and SERPS contributions held in the accounting system, but not allocated to any contributor. The government has thus obtained this money fraudulently, and has no intention now to determine the rightful contributors, who have lost part of the pension which they paid the contributions for.
--91.84.119.55 (talk) 17:18, 14 March 2008 (UTC) I have changed the pronunciation of this word as in the Civil Service the word has a hard 'Z' sound. I used to work on it so I do know. —Preceding unsigned comment added by 204.104.55.242 (talk) 14:17, 11 March 2009 (UTC)
Allocation of NI numbers
[edit]How does HMRC know about you when you're approaching your 16th birthday in order to issue you with an NI numbercard? 13:13, 10 February 2007 (UTC)
They are notified by the Child Benefit computers - HMRC's computer has links to NIRS, which notifies them. Persons for whom no Child Benefit claim was ever made (for example, children educated abroad or whose parents did not make a claim for moral reasons) will not be issued a card automatically and must make an application. --Lexin 10:46, 6 September 2007 (UTC)
What is the purpose of the NI number???
It's a personal identification number so that claims to benefit and payments of national insurance can be tracked and any under or over payments dealt with. --Lexin 10:46, 6 September 2007 (UTC)
National Insurance Fund
[edit]Contrary to what the main article says, the National Insurance Fund is not absorbed into general revenue. The NIF has a distinct existence.
Here is an extract from a recent exchange with the National Audit Office.
Q. Would you please confirm that the NIF exists as a fund quite distinct from ‘other public money’, that is, the Consolidated Fund.
A. Both the National Insurance Fund and the Consolidated Fund are distinct legal entities. Separate accounts are prepared for both Funds and presented to Parliament. All surplus funds are retained in the National Insurance Fund.
The following information was received by the author from the Commissioners for Reduction of the National debt.
The Commissioners for the Reduction of the National Debt (CRND) are responsible for both the National Insurance Fund of Great Britain and the Northern Ireland National Insurance Fund.
Following a review by HM Revenue and Customs, HM Treasury and CRND, a change to the investment strategy of both National Insurance Funds was approved in December 2006. The change, which is expected to lead to lower administration costs, was actioned in January 2007 when all the gilt holdings of both Funds were sold and the proceeds placed into Call Notice Deposits with the Debt Management Account Deposit Facility (DMADF)*. In future both Funds are expected to earn a rate of interest closely related to the Bank of England Official Rate.
At 31st March 2007 the respective balances held were: GB NIF - £38,815.6 million NI NIF - £1,085.2 million
- The DMADF is a deposit taking facility operated by the UK Debt Management Office - see attached operational notice.
All of the NIF's cash in held in CNDs and is therefore available on demand. The value of the NIF varies during each month as there is a cycle of deposits and withdrawals by HM Revenue and Customs. At the end of last month the NIFs value was £44.8 billion.
The NIF's CND deposits in the DMADF are clearly identified as belonging to the NIF and the appropriate principal and interest is payable only to the NIF. The NIFs investments are held in the name of the Commissioners for the Reduction of the National Debt (CRND).
—Preceding unsigned comment added by 203.40.194.58 (talk) 01:57, 26 October 2007 (UTC)
Contributions are not "taxes" because they are not available for general expenditure by the government. The income of the NIF consists of contributions from employees, employers, and the self-employed PLUS interest on its investments.
Each year there is a surplus of the order of 2 billion pounds. The accrued surplus is currently more than 30 billion pounds. The surplus is lent to the government by way of investment in gilt-edged securities, and interest on these investments is paid to the NIF as it falls due.
By the current government’s “golden rule” borrowed money (which includes the NIF surplus) cannot be used to finance current expenditure. It can only be used for investment, mainly capital investment in infrastructure. The money in the NIF can only be used for payment of benefits and administration expenses.
See http://www.britishpensions.org.au/national_insurance_fund.htm for full explanation and link to the document with the full Q&A session with NAO.
Rainbowfarmau 00:39, 24 July 2007 (UTC)
- The evidence provided is compelling, and I'm about to change the main article. However this should be set against the fact that the 1% NIC above the UEL was much-trumpeted by Brown as chancellor as being to fund improvements in the NHS.BaseTurnComplete (talk) 00:14, 8 December 2007 (UTC)
Detailed description
[edit]Just read this article and as a non-UK resident the article does not explain exactly what services the National Insurance actually offers? Nighty5 (talk) 13:38, 11 January 2008 (UTC)
- As a UK resident, I'm not so sure we know either! As I understand it, it was originally supposed to go towards the National Health Service, which provides health care "Free at the point of need" to all UK residents, and also, originally "the dole" or unemployment payments, but is now generally taken to be used as part of the general taxation regime. Regards, Lynbarn (talk) 18:47, 11 January 2008 (UTC)
- Thanks Lynbarn for your reply, I did take a look at some of the social services NI provides on the official websites however I started looking for my own needs - possibly moving to the UK in the next few months. I think some of the services were mentioned in the Michael Moore film - Sicko. I guess some bullet points should be added that detail some of services such as medical assistance and unemployment payments/benefits. Nighty5 (talk) 05:08, 13 January 2008 (UTC)
- In theory a least, NI doesn't pay for the NHS, despite how the current government have sold their NI increases*. It mainly pays for a state pension plus a few other benefits if for various reasons you are unable to work. If you don't need to draw on the benefits that protect you from being unable to work, the main effect that you will see by moving to the UK and paying it, is that after contributing to the system for a number of years you will be eligible for a state pension once you reach the state pension age (currently 65 but increasing in future years). The size of the pension you can draw depends on how many years' contributions you make.
- I say this because the current government sold an NI increase a few years ago as paying for NHS improvements. No wonder NI is considered to be nothing but an income tax these days.BaseTurnComplete (talk) 22:46, 1 February 2008 (UTC)
regexp?
[edit]- To validate a NINO the following regular expression can be used
"^[A-CEGHJ-PR-TW-Z][A-CEGHJ-NPR-TW-Z] ?\d{2} ?\d{2} ?\d{2} ?[ABCDFM]"
In what language is that? It certainly won't work in perl. What's with the quantifiers ahead of the classes? And when the article says 'the suffix letter is A, B, C, D or absent', what's the ?[ABCDFM] part? -- Tarquin (talk) 12:54, 20 April 2008 (UTC)
NI Card Image
[edit]Hi, The NI Card Image on the page states on its image page that it's a work of the US Federal Governemnt. As that is obviously wrong, can someone correct it? I'm not sure what template to use. 03swalker (talk) 15:57, 3 June 2008 (UTC)
- It's the card of one of the September 11 terrorists, I assume it was photographed as evidence.146.169.52.20 (talk) 17:01, 28 August 2008 (UTC)
Naming
[edit]- Below thread regarded a requested 'speedy' move to National insurance has been moved here from Talk:National insurance
Questions: 1) why would moving National Insurance here there be uncontroversial? It's there for quite some time, makes sense (at least to me and to the person who moved it there) as referring to a specific scheme and I can see no trace of an even informal discussion there. 2) 'national insurance' On the other hand is very generic, linked also form not UK articles and akin to national health insurance which provides a general view. So may even be worth disambiguating or expanding. Anyway, I'm off soon and the next admin can handle this as they see fit.--Tikiwont (talk) 15:16, 26 January 2009 (UTC)
- If the article is UK-specific, the correct title is National insurance (United Kingdom). Wikipedia convention is to use sentence case for article titles. "National Insurance" should not not have a capital letter even when used in the UK. Millstream3 (talk) 17:14, 26 January 2009 (UTC)
I am aware of the naming convention. The question is whether the article rather covers a specific system of taxes and related benefits generally known as 'National Insurance' in which case the current title with a capital 'I' might be fine, or rather a general topic such as national insurance in the UK in which case National insurance (United Kingdom) might be a better title. In neither case it seems to be helpful to move to National insurance.--Tikiwont (talk) 09:24, 27 January 2009 (UTC)
- Agree with Tikiwont.
- WP:MOSNAME#Lowercase says "Do not capitalize second and subsequent words unless the title is almost always capitalized in English"
- This specific system of taxes and related benefits in the UK is known as 'National Insurance' with a capital N and a capital I, distinguishing it from any more general discussion of systems of national state-based insurance. Jheald (talk) 09:31, 27 January 2009 (UTC)
- I agree with the Tikiwont that National insurance would be generic. I therefore modify my proposal to move to National insurance (United Kingdom); and National insurance should become a generic article on the subject, signposting to different countries' implementations. On capitalisation, certainly HMRC refer to it as "National Insurance". This represents an older style of titling, Title case, in which every word of the noun phrase is capitalised. Wikipedia, along with The Guardian and Department of Health (United Kingdom) (I know from experience) use Sentence case for titles. It seems to me that this is simply a matter of style. As Wikipedia uses Sentence case, I would suggest that "National insurance" is correct. Millstream3 (talk) 10:51, 27 January 2009 (UTC)
Absolutely no need to rename this article - it is a proper noun normally used in UK with initial caps. If there is evidence of the use of "national insurance" as a generic term elsewhere, then separate articles for that can be created, with appropriate dabbing. In the mean time, read again the MOS quote above from Jheald and possibly read up on proper nouns. Rd232 talk 14:15, 9 February 2009 (UTC)
- Late to this discussion. NI is, by convention if nothing else, usually referred to in caps. If another article comes along, we'll need to rename to National Insurance (United Kingdom). Millstream3 (talk) 14:41, 9 February 2009 (UTC)
NI Numbers now issued at birth
[edit]While my NI number was issued around my 16th birthday (as stated in the article), my wife (a midwife) says that the NI number is now generated at birth along with the NHS number. Paypwip (talk) 07:21, 15 August 2009 (UTC)
- Yep, I noticed this one too - my children's unique numbers for their Child Trust Funds look a lot like NI numbers. I guess you're tagged at birth now! BaseTurnComplete (talk) 00:01, 10 September 2009 (UTC)
Bringing up to date
[edit]This article is significantly out of date, especially in terms of the details of how NI contributions are calculated. I'm in the process of updating it, which will probably take a few edits to achieve. Neiltonks (talk) 08:03, 30 October 2011 (UTC)
-Done! Neiltonks (talk) 12:56, 28 November 2011 (UTC)
As part of your edit you added "It has been mooted that the link between individual's contribution record and the remaining contributory benefits will be weakened further." Got a source for that? Thanks! Simon Marchese (talk) 11:55, 2 October 2012 (UTC)
NI after retirement
[edit]I took an early retirement pension two years ago at the age of 51. Last year I worked part time (earnings for the year less than £6000) my pension is £23000 per annum. I paid 20% income tax which I understand however I also paid approx £250 in National Insurance. Am I liable or NI given I am on a pension? LynnSmith1 (talk) 19:33, 27 September 2012 (UTC)
Proposed merge with National insurance contribution
[edit]Nothing much in this article which is not better covered there. Rathfelder (talk) 18:50, 11 February 2017 (UTC)
- Go for it Mmitchell10 (talk) 19:00, 11 February 2017 (UTC)
- Agreed --Russell's teapot (talk) 21:37, 8 March 2017 (UTC)
- Agreed. The bulk of the other article is a table of contributions which is, in any case, out of date. Neiltonks (talk) 08:54, 9 March 2017 (UTC)
- I agree to the proposed merge too. The other article isn't that long and I come to an article like this to find out the figures anyway. Kookiethebird (talk) 22:38, 9 March 2017 (UTC)
Merge executed. ∰Bellezzasolo✡ Discuss 22:05, 11 July 2018 (UTC)
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Benefits
[edit]The benefits section seems confusing, the unemployed benefit is listed as if it is an additional benefit to Jobseekers which is the UK's employment benefit (make place the link to global employment benefits next to Jobseekers allowance link? Sickness benefit is not a benefit on it's own (at least from 1995) as incapacity benefit was the UK's sickness benefit along with the then Disability Living Allowance. As for invalidity benefit, I'm not it ever existed? If not there is no mention on incapacity benefit about invalidity benefit. 2A04:B2C2:140F:A200:E0BB:2473:EC67:3ABB (talk) 00:57, 1 November 2018 (UTC)
Foreign Students
[edit]Is it alright to include information from this source:
Foreign students who stay to work in UK pay £3.2bn in taxes – study
Thank you
LOBOSKYJOJO (talk) 02:36, 24 March 2019 (UTC)
Revamp
[edit]This article is very out of date - the description of the way contributions are calculated especially so. I intend to revamp it over a period of time, as and when I get the opportunity. The article contains quite a bit of history of changes made to the structure of NI in recent times (basically, since Wikipedia came into existence), but relatively little for the many years prior to that. I'm minded to remove some of this detail, because it just makes the text harder to read and the article isn't intended to be Detailed history of NI contributions in the 21st century! That's not to say I'm going to remove all the history, of course, just some of the excessive detail. Neiltonks (talk) 13:54, 12 November 2019 (UTC)
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