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National insurance credits

The basic state pension (BSP) is based on the number of years you have paid national insurance or have received national insurance credits. 

You may receive national insurance credits if you:

  • are getting certain state benefits;
  • don't earn enough to pay national insurance;
  • are doing jury service;
  • have served a prison sentence for a conviction which was later quashed.  

To find out more details about national insurance credits, and to check your national insurance record, visit

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