If you are aged between 45 and 70, you should check whether you have made sufficient National Insurance contributions to qualify for the full State Pension before the 5 April 2025 deadline.
You have until 5 April 2025 to fill in any gaps in your National Insurance record between 6 April 2006 and 5 April 2016 and top up your State Pension. After the 5 April 2025 you will only be able to fill gaps for the previous 6 tax years.
Filling any gaps in your National Insurance contributions by making voluntary payments could significantly boost the amount of State Pension you are entitled to. For example, if you have insufficient years a payment of £800 could benefit your State Pension by up to £5,500.
How to find out if you’ve got gaps in your National Insurance record
You can use HMRC’s online service to:
- Check if there are any gaps in your National Insurance record
- Find out if making a payment will increase your State Pension
- Make voluntary National Insurance payments
Check your National Insurance record
Find out more about making voluntary National Insurance contributions
If you need further support or advice, please contact your
local Moore adviser.