The National Insurance Website

National Insurance is a general insurance provider in India with offices throughout the country and one in Nepal. It monitors legislation in the benefit arena and attends hearings at the Legislature.

NI contributions are paid by employees and employers on earnings, and by self-employed people on their business profits. NI contributions contribute to an individual’s National Insurance record and provide eligibility for State benefits.

About National Insurance

National Insurance is a tax on earnings and self-employed profits paid by employees, employers and the self-employed to help build entitlement to certain state benefits. It is similar to the FICA system in the United States that funds Social Security and Medicare.

Employees pay NI through a withholding deduction on their wages, or via the self-assessment tax return for the self-employed. The amount you pay depends upon your type of work and how much you earn. You can find current rates on the government website. Not everyone has to pay National Insurance and you can make voluntary contributions to plug gaps in your record if necessary.

Most people will need to have 35 years worth of National Insurance credits (or contributions) to qualify for a full new State Pension. You can also pay voluntary contributions to top up your record, but these won’t necessarily guarantee you a full State Pension when you retire.

National Insurance is collected by HM Revenue and Customs through the PAYE system, alongside Income Tax and repayments of Student Loans. It is recorded using a computer system called NIRS/2, which replaced an archaic system that first went live in 1975 and didn’t allow direct access to individual records. Before NIRS/2, civil servants in the Contributions Office would request paper printouts of an individual’s account for processing by a data entry operative.


The National Insurance system can seem complicated and confusing, but it’s important to understand how it works. The NI contributions that employees and employers pay fund a number of state benefits, including the State Pension, maternity leave and jobseeker’s allowance.

Employees must pay NIC when they earn above the ‘primary threshold,’ which is currently PS242 per week or PS12,570 a year. The rate of NIC depends on which class of NIC is payable – those paid by employees are known as ‘Class 1 contributions’ and those paid by self-employed workers are called ‘Class 2’ or ‘Class 4’ contributions, depending on their level of taxable profits.

In some circumstances people can receive NI credits automatically, for example, when they get statutory sick pay or carer’s allowance. But in most cases, a person has to make a claim to receive credits if they have missed out on working years because of illness or caring for someone.

For those who have gaps in their NI records because of taking time out of work to look after children or elderly relatives, it’s now possible to fill in these missing years with voluntary NIC payments. However, if you do this it’s important to remember that gaps in your record may not allow you to qualify for the full new State Pension, so this is something you should think about carefully.

Policy documents

Policy documents are detailed written guidelines that outline the specific rules and requirements of an organization or department. They are often used to enforce compliance, clarify expectations and set standards for employees. A well-written policy document should be concise, clear and easy to understand. It should also be logically organized, with headings and subheadings to break down complex sections. In addition, the policy should include definitions of any terms or concepts that require clarification. The document should also explain the responsibilities of individuals or departments responsible for implementing and enforcing the policy.

A good policy document should start with a brief statement that defines the purpose and objectives of the policy. This is essential for understanding the policy’s intent and ensuring that it is applied consistently across the organization. The document should also include a scope section that clearly defines the policy’s applicability in terms of covered persons, facilities or sites. It should also provide a definitions section that clarifies any technical terms or jargon.

Once the initial draft is complete, it’s important to review the document and make any necessary changes. This review process should include a diverse range of stakeholders from different departments and levels of the organization. It’s also a good idea to create supplementary materials, such as FAQs and examples, that help employees understand how the policy applies to specific scenarios. אתר ביטוח לאומי

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