Warning on state pensions as Brits said they had to act now or miss out on the full amount

A new state pension alert has been issued urging people to check what they should be getting and take action to top it up to the full amount before the deadline. There are now just under 12 months left to close any gaps in your national insurance contributions.

The right to a state pension is determined for everyone based on the number of eligible national insurance years they have. People typically need at least ten years of contributions to receive a state pension at all, and at least 35 years to receive the full amount of the new state pension, which has just risen to £221.20 per week.

Alice Haine, Personal Finance Analyst at Bestinvest by Evelyn Partners, says: “By checking your tax account for any gaps in your national insurance information, you can quickly determine whether you have enough qualifying years to receive a full state pension – a valuable resource of income considering the entire The New State Pension rose by 8.5 percent earlier this month and is now worth £11,502 a year.”


She said the state pension forecast on your personal tax account shows the year in which you will receive your pension, the amount you will receive weekly, monthly and annually (without taking inflation into account) based on your current and expected contribution levels, and a prediction of what you will get if you continue to pay.

The record also shows the number of years with full NI contributions and the years in which you may not have contributed enough. These are marked ‘year is not full’ with guidance on how to complete them, including how much you need to pay in voluntary contributions.

People who may need to supplement include those who have taken a career break, as well as low-income earners or expats living and working abroad. By filling in any gaps, you can be sure that you will receive your full state pension entitlement later.

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Ms Haine said: “Whether a person needs to top up depends on how many years he or she plans to continue working, whether or not he or she has enough time to make up the shortfall, and whether he or she is eligible for NI tax credits, which fill the gaps. shortages, such as those who are sick, unemployed or taking time to raise a family or care for elderly relations.