Most individuals have up to six years to fill any gaps in their National Insurance (NI) record, with the deadline falling on 5 April each year. However, a temporary extension is currently in place, allowing individuals to make voluntary NI contributions for missing years as far back as 6 April 2006 and up to 5 April 2017. This extended window closes on 5 April 2025, presenting a limited opportunity to boost your state pension entitlement.

Why Checking Your NI Record Matters

‍Gaps in your NI contributions could affect your eligibility for the full state pension. To determine whether you have any shortfalls, it’s advisable to obtain a state pension forecast. This can be done easily through the UK government’s official portal:

Check your state pension forecast here

‍Your state pension forecast will provide:

✔ A breakdown of your NI record and any missing years

✔ An estimate of your future state pension entitlement

✔ Guidance on how many more qualifying years you need for a full pension

Act Before the Deadline

‍If you find gaps in your NI record, you may be able to voluntarily top up your contributions to increase your future state pension. With the 5 April 2025 deadline fast approaching, now is the time to review your record and take action if needed.

For more details, speak to our team.