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.