Is your National Insurance record up-to-date?
Your National Insurance record directly impacts your future State Pension.
If an individual has not contributed enough NI prior to reaching State Pension age, then voluntary NI contributions can be made to top up their contribution history. It is worth noting that voluntary contributions can only be made for the prior six tax years.
Do you need to make a payment by 5 April 2025?
Voluntary contributions can be made for prior tax years spanning back to 6 April 2018.
What can do you?
Check your National Insurance record
Check your records to see if there are any missing NI contribution periods.
This can be either online via your HMRC login or with the Pension Service at the Department of Work and Pensions (DWP).
- To access the state pension forecast service, you need to login to the new digital service using your HMRC personal tax account login details. If you don't have an online HMRC personal tax account, you can register for an account.
- Contact the DWP to establish the position.
Contact HMRC NI helpline
If there are gaps in your NI contribution record from 6 April 2018, contact the HMRC NI helpline on 0300 200 3500, to obtain:
- an 18 digit NI reference number
- HMRC account details
- confirmation of the amount that needs to be paid.
You will need to provide your name, address, date of birth and NI number.
Pay the NIC
Once you have obtained the 18 digit NI reference number you will be able to make your payment online. Payments relating to your contribution record for the tax year ending 6 April 2019 need to be made by 5 April 2026.
If you have any queries on the above, please contact your usual Crowe contact.
