17/06/2026
Alert: Missing years on your National Insurance record could impact your State Pension. Could topping up with voluntary contributions be worth it? Find out why you should check your NI credits and pension forecast before deciding. Read on to see if this applies to you.
Many people are unaware that gaps in their National Insurance (NI) record can affect their entitlement to the State Pension and certain state benefits. In some cases, it may be worthwhile to consider making voluntary NI contributions to fill these gaps.