Voluntary National Insurance Contributions

NI Card PictureGaps in your National Insurance record

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:

You may be able to pay voluntary contributions to fill any gaps if you’re eligible.  You can check your National Insurance Contributions status here

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.

State Pension Update

state pensionIn November 2018, State Pension age was 65 for men and women.  The State Pension age is regularly reviewed to make sure that the State Pension is affordable and fair.  People are living longer, and spending a larger proportion of their adult life in retirement than in the past.  State Pension age is gradually increasing for men and women, and will reach 67 by 2028.

Proposed new timetable for State Pension age increases

The government has announced plans to bring this timetable forward. The State Pension age would therefore increase to 68 between 2037 and 2039.

Your date of birth How the proposals affect you
On or before 5 April 1970 No change
Between 6 April 1970 and 5 April 1978 Your State Pension age is currently 67. It would increase to between 67 years and 1 month, and 68 years, depending on your date of birth
After 6 April 1978 No change. Your State Pension age remains 68

These proposed changes would have to be approved by Parliament before they are agreed.

When can I retire?

Your State Pension age is the earliest age you can start receiving your State Pension.  Use the link below to check:

  • when you’ll reach State Pension age
  • your Pension Credit qualifying age
  • when you’ll be eligible for free bus travel

Click here to start

Check your State Pension forecast to find out how much money you’ll get

Working after State Pension age

  • You can keep working past your State Pension age.
  • You can usually work for as long as you want to. ‘Default retirement age’ (a forced retirement age of 65) no longer exists.
  • You don’t pay National Insurance if you work past State Pension age.
  • You could pay tax – it depends on the size of your total income.

You can find more information here