A person can typically fill gaps in their national insurance (NI) record within a six-year time limit. Transitional arrangements enable them to fill gaps dating back to 2006/07, and they can also make additional contributions if needed.
The deadline for making such contributions has been extended to 5 April 2025.
People had difficulty reaching pension helplines once the July deadline received a publicity boost, causing the delay in the deadline. The transitional arrangement will now apply for the years 2006/07 to 2017/18.
Making voluntary NI contributions for the years 2006/07 to 2017/18 before 5 April 2025 allows individuals to secure the 2022/23 rate of £15.85 per week. The current rate is £17.45.
Contributions record
The first step is for a person to check their state pension forecast and NI record. This can easily be done online.
- Voluntary contributions will not always increase the amount of state pension. The decision can be especially complex if contracted out of the state pension prior to 2016.
- A person in very poor health or with a short life expectancy will probably not benefit from voluntary contributions.
Personalised advice can be obtained by contacting the Future Pension Centre (if not yet at state pension age) or the Pension Service (if already receiving the state pension).
The benefit
A person needs 35 qualifying years on their NI record to qualify for the full state pension, which is currently £10,600 a year. Paying £824 for a full year boosts annual pension by £303—a rewarding investment for those with at least five years of retirement ahead.
Filling incomplete years can enhance the return by covering just a few missing weeks at £15.85 each.
A state pension forecast can be obtained here.
How can we help you?
If you would like advice about your national insurance contributions or any gap you may have, please contact us on 01444 716946 or on 01273 963656 or alternatively email us here.
