The Department for Work and Pensions (DWP) is encouraging individuals nearing retirement to review their State Pension eligibility and ensure they have enough National Insurance (NI) contributions. Many people may not realise they could increase their pension amount by filling gaps in their NI record.
Basic vs. New State Pension: Know Which One You’ll Receive
The UK has two types of State Pension:
- Basic State Pension – for those born before:
- 6 April 1951 (men)
- 6 April 1953 (women)
- New State Pension – for those born on or after these dates
Your date of birth determines which system you fall under. The new State Pension generally offers a higher amount, but you must meet certain contribution thresholds.
How Many Years Do You Need?
To qualify for the new State Pension, you must have at least 10 qualifying years of NI contributions.
A qualifying year means you:
- Worked and paid NI contributions
- Received NI credits (e.g. for unemployment, illness, or childcare)
- Paid voluntary NI contributions
To receive the full new State Pension (worth £221.20 per week from April 2025), you’ll need 35 qualifying years.
Filling Gaps: Voluntary Contributions
If there are gaps in your NI record—perhaps from time spent abroad, self-employment with low income, or career breaks—you may be eligible to make voluntary contributions.
This is a valuable way to boost your State Pension before reaching pension age.
How to Check Your NI Record
The UK government provides two key online tools:
These tools show how much pension you may receive and whether you can fill any missing years.
Why It’s Important to Act Early
By checking your NI record early, you can:
- Plan for a stronger financial retirement
- Avoid surprises about your expected pension
- Decide whether voluntary contributions are worthwhile
The DWP strongly recommends reviewing your record well before retirement age to maximise your future payments.
Millions of people in the UK may not realise they can increase their State Pension by checking and updating their NI contributions. Whether you’re a few years away from retirement or just starting to plan ahead, taking action now could make a big difference.
What is the current State Pension age in the UK?
The State Pension age is currently 66, rising to 67 by 2028. Further increases may follow.
Can I make up for missed NI years?
Yes, you can make voluntary NI contributions to fill gaps and increase your pension.
How can I check my National Insurance record?
Visit the UK government’s website to check your NI record and pension forecast using your personal tax account.
What if I have fewer than 10 qualifying years?
You won’t qualify for the new State Pension, but may be able to make voluntary contributions or explore other retirement income options.
