The UK Government is urging people to take action to boost their state pension payments before a crucial deadline next year. This opportunity allows individuals to fill gaps in their National Insurance (NI) record between 2006 and 2018 through voluntary contributions. The deadline to make these contributions is April 5, 2025.
Emma Reynolds, Minister for Pensions, said, “We want pensioners of today and tomorrow to enjoy the dignity and support they deserve in retirement. That’s why I urge everyone to check if they could benefit by filling gaps before the deadline passes. Using our online tool means only a few clicks could make a huge difference to your future.”
Since April 2024, the new digital service has made over 10,000 payments totaling £12.5 million.
The online checking tool on GOV.UK has also seen 3.7 million people use it to view their state pension forecast.
Deadline for boosting pensions approaching
Britons are encouraged to use the online tool to review their national insurance records and assess their eligibility for this scheme.
Those with gaps in their NI record do not necessarily need to make additional contributions, as not every individual requires a full 35 years of contributions to receive the maximum state pension. Claire Trott, Divisional Director of Retirement and Holistic Planning, advises individuals to review their state pension forecasts carefully. “When reviewing a state pension forecast, it’s essential to focus on the projected pension figure and compare it to what has already been earned,” Trott explains.
“If only a few more years are needed and full-time work or credits are expected, no further action may be required.”
Trott also highlights the various ways to accrue state pension credits, some automatic and others requiring a claim. For those with complex cases or significant gaps between expected and potential earnings by retirement, seeking professional advice is recommended. Britons are urged to check their national insurance and HRP records and consider whether making voluntary contributions before the deadline could benefit them.
This proactive measure could ensure a more secure and comfortable retirement.
