The state pension is based on the number of years you have paid National Insurance or have received National Insurance credits.
You may receive/ have received National Insurance credits if you:
- through getting certain State benefits;
- if you were aged 16 – 18 before April 2010;
- you are/were on an approved training course
- if your spouse or civil partner is a member of Her Majesty’s force and you are/were accompanying them on an assignment overseas;
- don't earn enough to pay national insurance;
- are/were 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, please visit www.gov.uk/national-insurance-credits/overview.
Where can I find out more?
If you need more information, please contact us. A pension specialist from our team will be happy to help with whatever pensions-related question you have. Our help is always free.