State pension: You could be denied full sum due to National Insurance record | Personal Finance | Finance


Someone’s National Insurance record could have a significant bearing on how much state pension they can get. It is therefore important for Britons to maintain a strong record.

Qualifying years for National Insurance can be earned in three different ways:

  • By working
  • By claiming certain benefits
  • By paying voluntary contributions

This includes:

  • Child Benefit
  • Jobseeker’s Allowance
  • Employment and Support Allowance
  • Carer’s Allowance
  • Carer’s Credit

If someone still wishes to increase their state pension entitlement after exhausting other options, they may be able to pay voluntary contributions to earn more qualifying years.

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