What is a National Insurance Number?
- Your National Insurance number is your own personal account number.
- The number makes sure that the National Insurance contributions and tax you pay are properly recorded on your account.
- It also acts as a reference number for the whole social security system.
How do I apply for a National Insurance Number?
- All the details are on the HMRC website: Applying for a National Insurance number
- Alternatively, call the National Insurance Registrations Helpline on 0845 915 7006 (Monday to Friday 8:30am to 5pm)
Who pays National Insurance?
- You pay National Insurance contributions if you're an employee or self-employed and you're aged 16 and over, as long as your earnings are more than a certain level.
- If you're employed you stop paying National Insurance contributions as soon as you reach State Pension age.
- If you are self-employed, you stop paying Class 2 contributions as soon as you reach State Pension age and Class 4 contributions from the start of the tax year after the one in which you reach State Pension age.
- State Pension Ages:
- State Pension age is 65 for men born before 6 December 1953 and 60 for women born before 6 April 1950.
- State Pension age for women born on or after 6 April 1950 is gradually increasing and will reach 65 in November 2018. From December 2018.
- State Pension age for women and men will gradually increase from 65 and reach 66 by October 2020.
- Some people also pay voluntary National Insurance contributions.
- For example, you might choose to pay them if you:
- aren't working and are not claiming state benefits
- haven't paid enough National Insurance contributions in a year to count for the State Pension or other long term state benefits
- live abroad and want to maintain your state benefits entitlement
Do students have to pay National Insurance?
- As of April 2013 HMRC withdrew PAYE and NI concessions for students.
- Students are treated in the same way as all other employees for PAYE tax and National Insurance contributions purposes.