- Remind clients to check their NI record, where required.
- If you have any queries on areas such as entitlement and the amount due, download our technical guide to the State Pension. A client guide is also available.
The Government’s online service tells individuals how much State Pension they could be entitled to. It shows a person’s National Insurance (NI) record, which helps to identity any gaps and missing credits (a client needs 35 qualifying years of NI contributions to get the full State Pension). Where appropriate, clients should check their record to ensure it is accurate and up to date.
If a client does have any gaps in their NI record, they may be able to pay voluntary contributions in order to fill these gaps. Usually, it’s only possible to pay for gaps for the previous six years. However, men born after 5 April 1951 and women born after 5 April 1953 now have until 31 July 2023 to pay for any eligible gaps between the tax years April 2006 and April 2016. This effectively creates a window of just over 16 years. After 31 July 2023, this will revert to the usual six-year period.
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Paul Squirrell, our pension expert, clarifies the rules relating to some specific areas of retirement planning.