UK pensioners may be entitled to a higher state pension by claiming missing National Insurance (NI) years from HM Revenue & Customs (HMRC). The Department for Work and Pensions (DWP) has reminded retirees that gaps in their NI record can reduce their pension entitlement.
According to official guidance, individuals can check their NI record online via the Gov.uk website. If there are gaps, they may be able to make voluntary contributions to fill them, potentially increasing their weekly pension payments. The deadline for filling gaps from April 2006 to April 2016 has been extended to 5 April 2026.
To claim missing years, individuals should contact HMRC directly or use the online service. The DWP advises that claiming these years could result in a higher state pension, but it is important to verify eligibility and the cost-effectiveness of voluntary contributions.
For most people, the full new state pension is £230.25 per week (2025-26 rate). However, those with fewer than 35 qualifying years may receive less. Making voluntary NI contributions can help increase the number of qualifying years.
