You may get gaps in your record if you do not pay National Insurance or do not get National Insurance credits. This could be because you were:
- employed but had low earnings
- unemployed and were not claiming benefits
- self-employed but did not pay contributions because of small profits
- living or working outside the UK
Gaps can mean you will not have enough years of National Insurance contributions to either:
Decide if you want to pay voluntary contributions
Voluntary contributions do not always increase your State Pension. Contact the Future Pension Centre to find out if you’ll benefit from voluntary contributions.
You may also want to get financial advice before you decide to make voluntary contributions.