State pension alert: Check your National Insurance record as it could impact your sum

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Future retirees may want to check their National Insurance record as this could dictate how much state pension they get. The new state pension is based on people’s National Insurance record when they reach state pension age.

Those who will receive the new state pension, which is anyone who reaches state pension age on or after April 6, 2016, usually need to have 10 qualifying years on their National Insurance record to get any new state pension whatsoever.

To get the full new state pension, they usually need 35 qualifying years on their record.

Some people may still not be able to get the full new state pension if they were contracted out before April 6, 2016.

The full new state pension is currently valued at £179.60 a week. This will rise to £185.15 from April 11, 2022.

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Self-employed people who pay National Insurance contributions should also earn qualifying years.

Those who do not work may be able to get National Insurance credits if they claim certain benefits. This could improve their record and entitle them to more state pension.

Britons may get National Insurance credits if they claim:

  • Child Benefit for a child under 12 (or under 16 before 2010)
  • Jobseeker’s Allowance or Employment and Support Allowance
  • Carer’s Allowance or Carer’s Credit

The statement will only provide information on tax years that ended more than 12 months ago in the statement.

Users will then be asked to provide personal information, such as their:

  • Name
  • National Insurance number
  • Date of birth
  • Address
  • Previous address
  • Marriage status
  • Current employer or pension provider


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