Many people are unaware that you can claim back National Insurance Contributions while working in the UK. This is different from a tax rebate which you can only do when arriving and leaving the UK. An NI (National Insurance) Rebate can be claimed at anytime and only needs to be done once (from thereon it is automatically done for you each year).
So, what is an NI Rebate? Much of your National Insurance goes towards the State Second Pension. This is a voluntary scheme and any individual working in the UK can choose to take this money for them self instead. The money can’t be given to you in cash but is rather put into your own personal pension. For an average person working on a salary of £30,000 the rebate will be around £1,645. For foreigners this is a no brainer since this rebate will be far more beneficial than expecting to receive a pension from the UK government when you eventually retire and aren’t even living in the country.
Related Posts
- Employee National Insurance rates for the 2012 tax year
- Claiming your NI Rebate – Take Control of Your Finances
- Significant Drawbacks Expected for Failure to Meet the April NI Rebate Deadline
- Claiming your NI Rebate can Boost Financial Security during Uncertain Times
- Claim your NI Rebate – on average £1,645
About 1st Contact NI RebatesA National Insurance Rebate can be claimed at anytime and only needs to be done once (from thereon it is automatically done for you each year). |
 |
are you able to back date your NI claim if you have been here a number of years and are yet to claim?
Hi Tracy,
Thank you for your comment. Unfortunately you cannot claim back past the tax year that you are currently in. So if you make a claim now it would only be backdated to the beginning of this tax year i.e. 06/04/2009. Hope that explains it.
Hallo,
I am very interested to start doing this ASAP for my wife and I. Can someone please contact me so that I can find out what the next steps are.
Thanks and regards
Quentin
As a foreigner who will be leaving in a few months, is there anyway to access these funds? I understand that it’ll be put into a pension fund but is there anyway to access these funds before the retirement age?
I was made redundant from my most recent job last April and currently not employed. Will I be able to claim for the last tax year even though I am not working now?
Thanks
Corrina
I submitted an NI Rebate claim via you guys and have since left the UK. What happens now? Can I transfer that to a bank account here? Or an Australian super fund? Thanks
I live in Guernsey in the Channel Islands and we don’t have National Insurance over here but we do have Social Security. Would the same kind of rebate apply for Social Security in Guernsey?
Hi,
I lived and worked in the UK for 4 years from 2004-2007 and moved back to Australia in 2008. Am I able to claim back those NI Contributions and put them into my superannuation over here? If someone could let me know if it is possible or if I can’t that would be brilliant.
Thanks you so much
Hi First Contact,
Like Jon & Amanda’s questions above I have also left the country and had set up a pension fund for my NI Rebate through you 2 years ago. What happens now ?? can I access the money or get it transfered to an Australian account or is it only available once I have retired ??
Regards Phil
thank you for the update
Good day.
I am a South African. Being married to a Brit and living and working here now permanently. Can I get a NI rebate, what is the procedure and how much does it cost?
Hello
I am working in UK since 1 year. Next month I am leaving country permanently. What should I have to claim. I am covered in EES USS smart pension plan. Please give me some suggestion.
can i claim back ni contrbutions as you only have to aquire 30 years benefits as i have paid in 45 years and get no extra benefits what happens to the surplus 15 years