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Consider your National Insurance top up


Your National Insurance Contribution record is used to determine the amount of state pension that you will receive in the future. Prior to 6th April 2010 a man will need 44 qualifying years and a woman 39 qualifying years to receive a full state pension on retirement. If you achieve state retirement age after 5th April 2010 then you will only need 30 qualifying years.

A pension forecast can be obtained online from the Department for Work and Pensions at www.thepensionservice.gov.uk. Should you have any years where contributions are missing then you may wish to consider making voluntary top up contributions to increase the amount of state pension that you will ultimately receive. It may not always be worth making top up contributions and we would be delighted to review your forecast and advise.

The deadline for paying voluntary contributions for missing years is generally 6 years from the end of the relevant tax year. However due to problems with records and letters not being issued, it may be possible to go back further to top up, as well as considering topping up if you have already reached retirement age. It may even be possible that making such voluntary contributions help you qualify for incapacity benefit or maternity benefit when you need to claim.