If you have part-time jobs, make sure at least one of them pays you £109 a week or more
If your part-time job pays less than £109 a week then you will not be building up a National Insurance record and that could mean a lower state pension or none at all when you reach pension age.
Even if you do more than one part-time job but they all pay you less than £109, your National Insurance record will still remain blank.
For example, if you work 16 hours in one job on minimum wage you will earn £99 a week. That is below the £109 limit so no NI is recorded by your name.
If you take on another part-time job – perhaps also 16 hours with another employer also on £6.19 an hour – you earn another £99 a week. But you will not get NI for that job either.
Add a third 16 hours a week job at minimum wage with another firm and still no NI will be recorded for you.
Altogether you will be working 48 hours – which is certainly full-time! – and earning £297 a week, around £15,500 a year, but you will still not be building up any National Insurance record.
If you had one job on £297 a week you would pay £17.76 a week NI and build up rights to a pension and to benefits such as Jobseeker’s Allowance for the first six months if you lose your job. But as a multiple part-timer you do not.
The odd thing is that the Revenue will add together earnings from several jobs and charge you income tax on the full £297. But it keeps them separate for NI and if each employer pays below the £109 limit no NI is recorded for you.
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