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Parenthood Campaign: State Pension and Parenthood

If you reach State Pension age on or after 6 April 2016, you cannot increase your State Pension through your partner’s National Insurance contributions. The new State Pension is based on your own National Insurance record. In order to get the full Basic State pension, you need to have paid or received credits for National Insurance for 35 years. If you have had a break in your National Insurance payments and will not make the 35 years, you can make voluntary contributions.

Also, a top tip is to always register for child allowance even if your partner earns over £50,000 per annum and you do not wish to receive the benefit. By registering for the child allowance, you will get National Insurance credits that add to your 35-year target. Finally, remember to tell your parents that grandparents caring for grandchildren under 12 could qualify for National Insurance credits that can top up their State pension.

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