{"id":2319,"date":"2022-11-30T14:38:39","date_gmt":"2022-11-30T14:38:39","guid":{"rendered":"http:\/\/www.robbtax.co.uk\/blog\/?p=2319"},"modified":"2022-11-30T14:39:21","modified_gmt":"2022-11-30T14:39:21","slug":"a-guide-to-national-insurance-and-state-pension-eligibility","status":"publish","type":"post","link":"https:\/\/www.robbtax.co.uk\/blog\/a-guide-to-national-insurance-and-state-pension-eligibility\/","title":{"rendered":"A guide to National Insurance and State Pension eligibility"},"content":{"rendered":"<p>Introduced in 2016, the\u00a0<a href=\"https:\/\/www.gov.uk\/new-state-pension\/eligibility\">new State Pension<\/a>\u00a0is a payment based on your National Insurance record when you get to State Pension age.<\/p>\n<p><!--more--><\/p>\n<p>To receive it, you must typically have 10 qualifying years on your National Insurance record.<\/p>\n<p>If you were\u00a0contracted out\u00a0prior to 6 April 2016, you may receive less than the new full State Pension.<\/p>\n<p>If you do not have a National Insurance record before 6 April 2016, you must have 35 qualifying years to get the new full State Pension.<\/p>\n<p><strong>Who is eligible?<\/strong><\/p>\n<p>If you are a man, you are eligible for the basic State Pension if you were born before 6 April 1951.<\/p>\n<p>If you are a woman, you must have been born before 6 April 1953.<\/p>\n<p>However, if you were born on or later than these dates, you must claim the\u00a0new State Pension.<\/p>\n<p><strong>Qualifying years<\/strong><\/p>\n<p><strong>\u00a0<\/strong>You pay National Insurance and obtain a qualifying year if you are:<\/p>\n<ul>\n<li>Employed and being paid over \u00a3242 from one employer weekly<\/li>\n<li>Self-employed\u00a0and making National Insurance contributions.<\/li>\n<\/ul>\n<p>You could be entitled to\u00a0<a href=\"https:\/\/www.gov.uk\/national-insurance-credits\/eligibility\">National Insurance credits<\/a>\u00a0if you are unable to work. This could be due to an illness or disability, or if you are a carer.<\/p>\n<p><strong>Gaps in National Insurance record<\/strong><\/p>\n<p><strong>\u00a0<\/strong>If you have a gap in your National Insurance record, you have until 5 April 2023 to make up for the gaps between 2006 and 2016.<\/p>\n<p>After this, you will not be able to make up for any losses for these years.<\/p>\n<p>Making up for a full-year shortfall will work out as \u201cgetting it back\u201d in three years of state pension.<\/p>\n<p>You can access a\u00a0<a href=\"https:\/\/www.gov.uk\/check-state-pension\">State Pension forecast<\/a>\u00a0to find out how much State Pension you could get, when you can get it, and how to boost it.<\/p>\n<p>Additionally, to check if your record has gaps, you can apply for a\u00a0<a href=\"https:\/\/online.hmrc.gov.uk\/shortforms\/form\/NIStatement\">National Insurance statement<\/a>.<\/p>\n<p><strong>Need advice on National Insurance and State Pension? Contact our team today.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Introduced in 2016, the\u00a0new State Pension\u00a0is a payment based on your National Insurance record when you get to State Pension age.<\/p>\n","protected":false},"author":1,"featured_media":2321,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6,11,84],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>A guide to National Insurance and State Pension eligibility - Accountants in Sutton Coldfield<\/title>\n<meta name=\"description\" content=\"Robb &amp; Co is an independent firm of chartered accountants and specialist tax advisors based in Sutton Coldfield, West Midlands.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.robbtax.co.uk\/blog\/a-guide-to-national-insurance-and-state-pension-eligibility\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"A guide to National Insurance and State Pension eligibility - Accountants in Sutton Coldfield\" \/>\n<meta property=\"og:description\" content=\"Robb &amp; 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