Very few people are aware that the government gives us a choice as to where some of our NI contributions should go. Anyone who is resident in the UK and who pays NI can opt to rebate some of their contributions. Why Claim your NI Rebate? Should foreigners residing in the UK decide to return home, their NI contributions will remain in the state pension where they will not be able to touch their plans until the age of 68. Even worse, this benefit is frozen and doesn't accumulate growth with inflation i.e. over time the real value is lost. For individuals planning to leave the UK in the future, transferring their NI contributions into their personal pensions will present far greater value. This will allow the invested money to grow as well as create increased flexibility to transfer the funds to different countries, and on the whole increase future wealth.