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What do I get from paying National Insurance?

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Paying NICs entitles you to certain benefits, but your personal entitlement and the amount you will get depends on the amount of NICs you have paid. Sometimes contributions paid by your spouse / civil partner are also taken into account.

NICs can entitle you to the following benefits:

  • Contribution based Jobseeker's Allowance (Class 1 NICs only).
  • Incapacity Benefit (if you can't work for long periods due to illness or injury).
  • State Pension.
  • Additional State Pension (Class 1 NICs only).
  • Widowed Parents' Allowance.
  • Bereavement Allowance.
  • Bereavement Payment.
  • Maternity Allowance.

National Insurance Rates

The following amounts apply for the 2009-2010 tax year if you are employed:

  • If you earn above £95 a week (the 'earnings threshold') and up to £844 per week you pay 11 per cent of this amount as 'Class 1' NICs.
  • You also pay one per cent of earnings above £844 a week as Class 1 NICs.
  • You will pay a lower amount as an employee if you are a member of your employer's contracted out pension scheme.

More on National Insurance

Current National Insurance Rates

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