Ask an expert: ‘We applied for the UK state pension top-up but HMRC is adamant we should be on the Class 3 rate and not the cheaper Class 2’

John Ring, operations director with XtraPension, advises a reader who believes their UK state pension contribution category has been calculated incorrectly

The Class 2 rate is 20pc of the cost of the Class 3 rate. Photo: Getty

I know this is a topic you have covered extensively before, but I have a query in relation to paying Class 2 or Class 3.

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