A new state pension system was brought in on 6 April 2016, meaning the number of qualifying national insurance years you have will dictate how much state pension you receive per week. Therefore, it is worth checking for any gaps in your National Insurance record. You have until the 5th April 2023, to claim National Insurance (NI) credits if you have gaps in your work record.
If you do have gaps in your NI contributions, you may be able claim back National Insurance credits for free. If you are between 45 and 70, you can receive a qualifying year of National Insurance if you have previously:
- Claimed job seekers allowance
- Received statutory sick pay
- Received maternity, paternity or adoption pay
- Taken part in jury service
- Been wrongly imprisoned
- Been married to or a civil partner to someone in the armed forces
If you’ve been in one of these scenarios, visit the gov.uk website to find out if you’re eligible for National Insurance credits.