{"id":19837,"date":"2022-12-02T11:12:50","date_gmt":"2022-12-02T11:12:50","guid":{"rendered":"https:\/\/www.moorethompson.co.uk\/blogs\/?p=19837"},"modified":"2022-12-02T11:12:52","modified_gmt":"2022-12-02T11:12:52","slug":"a-guide-to-national-insurance-and-state-pension-eligibility","status":"publish","type":"post","link":"https:\/\/www.moorethompson.co.uk\/blogs\/a-guide-to-national-insurance-and-state-pension-eligibility\/","title":{"rendered":"A guide to National Insurance and State Pension eligibility"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/www.moorethompson.co.uk\/blogs\/wp-content\/uploads\/2022\/12\/M.T.-Blog-Graphic-02.12.2022-1024x576.png\" alt=\"\" class=\"wp-image-19838\" srcset=\"https:\/\/www.moorethompson.co.uk\/blogs\/wp-content\/uploads\/2022\/12\/M.T.-Blog-Graphic-02.12.2022-1024x576.png 1024w, https:\/\/www.moorethompson.co.uk\/blogs\/wp-content\/uploads\/2022\/12\/M.T.-Blog-Graphic-02.12.2022-300x169.png 300w, https:\/\/www.moorethompson.co.uk\/blogs\/wp-content\/uploads\/2022\/12\/M.T.-Blog-Graphic-02.12.2022-768x432.png 768w, https:\/\/www.moorethompson.co.uk\/blogs\/wp-content\/uploads\/2022\/12\/M.T.-Blog-Graphic-02.12.2022.png 1280w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>Introduced in 2016, the&nbsp;<a href=\"https:\/\/www.gov.uk\/new-state-pension\/eligibility\">new State Pension<\/a>&nbsp;is a payment based on your National Insurance record when you get to State Pension age.<\/p>\n\n\n\n<p>To receive it, you must typically have 10 qualifying years on your National Insurance record.<\/p>\n\n\n\n<p>If you were&nbsp;contracted out&nbsp;prior to 6 April 2016, you may receive less than the new full State Pension.<\/p>\n\n\n\n<p>If you do not have a National Insurance record before 6 April 2016, you must have 35 qualifying years to get the new full State Pension.<\/p>\n\n\n\n<p><strong>Who is eligible?<\/strong><\/p>\n\n\n\n<p>If you are a man, you are eligible for the basic State Pension if you were born before 6 April 1951.<\/p>\n\n\n\n<p>If you are a woman, you must have been born before 6 April 1953.<\/p>\n\n\n\n<p>However, if you were born on or later than these dates, you must claim the&nbsp;new State Pension.<\/p>\n\n\n\n<p><strong>Qualifying years<\/strong><\/p>\n\n\n\n<p>You pay National Insurance and obtain a qualifying year if you are:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Employed and being paid over \u00a3242 from one employer weekly<\/li><li>Self-employed&nbsp;and making National Insurance contributions.<\/li><\/ul>\n\n\n\n<p>You could be entitled to&nbsp;<a href=\"https:\/\/www.gov.uk\/national-insurance-credits\/eligibility\">National Insurance credits<\/a>&nbsp;if you are unable to work. This could be due to an illness or disability, or if you are a carer.<\/p>\n\n\n\n<p><strong>Gaps in National Insurance record<\/strong><\/p>\n\n\n\n<p>If you have a gap in your National Insurance record, you have until 5 April 2023 to make up for the gaps between 2006 and 2016.<\/p>\n\n\n\n<p>After this, you will not be able to make up for any losses for these years.<\/p>\n\n\n\n<p>Making up for a full-year shortfall will work out as \u201cgetting it back\u201d in three years of state pension.<\/p>\n\n\n\n<p>You can access a&nbsp;<a href=\"https:\/\/www.gov.uk\/check-state-pension\">State Pension forecast<\/a>&nbsp;to find out how much State Pension you could get, when you can get it, and how to boost it.<\/p>\n\n\n\n<p>Additionally, to check if your record has gaps, you can apply for a&nbsp;<a href=\"https:\/\/online.hmrc.gov.uk\/shortforms\/form\/NIStatement\">National Insurance statement<\/a>.<\/p>\n\n\n\n<p><strong>Need advice on National Insurance and State Pension? Contact our team today.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Introduced in 2016, the&nbsp;new State Pension&nbsp;is a payment based on your National Insurance record when you get to State Pension age. To receive it, you must typically have 10 qualifying&hellip; <a href=\"https:\/\/www.moorethompson.co.uk\/blogs\/a-guide-to-national-insurance-and-state-pension-eligibility\/\"><span class=\"meta-nav\">Read more&hellip;<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[45,26,121,32],"tags":[],"class_list":["post-19837","post","type-post","status-publish","format-standard","hentry","category-accountancy","category-blog","category-news","category-pension"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>A guide to National Insurance and State Pension eligibility - Moore Thompson<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.moorethompson.co.uk\/blogs\/a-guide-to-national-insurance-and-state-pension-eligibility\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"A guide to National Insurance and State Pension eligibility\" \/>\n<meta property=\"og:description\" content=\"Introduced in 2016, the\u00a0new State Pension\u00a0is a payment based on your National Insurance record when you get to State Pension age.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.moorethompson.co.uk\/blogs\/a-guide-to-national-insurance-and-state-pension-eligibility\/\" \/>\n<meta property=\"og:site_name\" content=\"Moore Thompson\" \/>\n<meta property=\"article:published_time\" content=\"2022-12-02T11:12:50+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-12-02T11:12:52+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.moorethompson.co.uk\/blogs\/wp-content\/uploads\/2022\/12\/M.T.-Blog-Graphic-02.12.2022.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1280\" \/>\n\t<meta property=\"og:image:height\" content=\"720\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"A guide to National Insurance and State Pension eligibility\" \/>\n<meta name=\"twitter:description\" content=\"Introduced in 2016, the\u00a0new State Pension\u00a0is a payment based on your National Insurance record when you get to State Pension age.\" \/>\n<meta name=\"twitter:image\" content=\"https:\/\/www.moorethompson.co.uk\/blogs\/wp-content\/uploads\/2022\/12\/M.T.-Blog-Graphic-02.12.2022.png\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.moorethompson.co.uk\/blogs\/a-guide-to-national-insurance-and-state-pension-eligibility\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.moorethompson.co.uk\/blogs\/a-guide-to-national-insurance-and-state-pension-eligibility\/\"},\"author\":{\"name\":\"admin\",\"@id\":\"https:\/\/www.moorethompson.co.uk\/blogs\/#\/schema\/person\/0d9cc808e7eb5eb75ce773e69c3d97fb\"},\"headline\":\"A guide to National Insurance and State Pension eligibility\",\"datePublished\":\"2022-12-02T11:12:50+00:00\",\"dateModified\":\"2022-12-02T11:12:52+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.moorethompson.co.uk\/blogs\/a-guide-to-national-insurance-and-state-pension-eligibility\/\"},\"wordCount\":324,\"image\":{\"@id\":\"https:\/\/www.moorethompson.co.uk\/blogs\/a-guide-to-national-insurance-and-state-pension-eligibility\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.moorethompson.co.uk\/blogs\/wp-content\/uploads\/2022\/12\/M.T.-Blog-Graphic-02.12.2022-1024x576.png\",\"articleSection\":[\"Accountancy\",\"Blog\",\"News\",\"Pension\"],\"inLanguage\":\"en-GB\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.moorethompson.co.uk\/blogs\/a-guide-to-national-insurance-and-state-pension-eligibility\/\",\"url\":\"https:\/\/www.moorethompson.co.uk\/blogs\/a-guide-to-national-insurance-and-state-pension-eligibility\/\",\"name\":\"A guide to National Insurance and State Pension eligibility - Moore Thompson\",\"isPartOf\":{\"@id\":\"https:\/\/www.moorethompson.co.uk\/blogs\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.moorethompson.co.uk\/blogs\/a-guide-to-national-insurance-and-state-pension-eligibility\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.moorethompson.co.uk\/blogs\/a-guide-to-national-insurance-and-state-pension-eligibility\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.moorethompson.co.uk\/blogs\/wp-content\/uploads\/2022\/12\/M.T.-Blog-Graphic-02.12.2022-1024x576.png\",\"datePublished\":\"2022-12-02T11:12:50+00:00\",\"dateModified\":\"2022-12-02T11:12:52+00:00\",\"author\":{\"@id\":\"https:\/\/www.moorethompson.co.uk\/blogs\/#\/schema\/person\/0d9cc808e7eb5eb75ce773e69c3d97fb\"},\"breadcrumb\":{\"@id\":\"https:\/\/www.moorethompson.co.uk\/blogs\/a-guide-to-national-insurance-and-state-pension-eligibility\/#breadcrumb\"},\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.moorethompson.co.uk\/blogs\/a-guide-to-national-insurance-and-state-pension-eligibility\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\/\/www.moorethompson.co.uk\/blogs\/a-guide-to-national-insurance-and-state-pension-eligibility\/#primaryimage\",\"url\":\"https:\/\/www.moorethompson.co.uk\/blogs\/wp-content\/uploads\/2022\/12\/M.T.-Blog-Graphic-02.12.2022.png\",\"contentUrl\":\"https:\/\/www.moorethompson.co.uk\/blogs\/wp-content\/uploads\/2022\/12\/M.T.-Blog-Graphic-02.12.2022.png\",\"width\":1280,\"height\":720},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.moorethompson.co.uk\/blogs\/a-guide-to-national-insurance-and-state-pension-eligibility\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.moorethompson.co.uk\/blogs\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"A guide to National Insurance and State Pension eligibility\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.moorethompson.co.uk\/blogs\/#website\",\"url\":\"https:\/\/www.moorethompson.co.uk\/blogs\/\",\"name\":\"Moore Thompson\",\"description\":\"Blog\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.moorethompson.co.uk\/blogs\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-GB\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.moorethompson.co.uk\/blogs\/#\/schema\/person\/0d9cc808e7eb5eb75ce773e69c3d97fb\",\"name\":\"admin\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\/\/www.moorethompson.co.uk\/blogs\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/d498d367d2804be15bc61803b6b418ff4e3a763854a712330b138d6e2af0153a?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/d498d367d2804be15bc61803b6b418ff4e3a763854a712330b138d6e2af0153a?s=96&d=mm&r=g\",\"caption\":\"admin\"},\"url\":\"https:\/\/www.moorethompson.co.uk\/blogs\/author\/admin\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"A guide to National Insurance and State Pension eligibility - Moore Thompson","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.moorethompson.co.uk\/blogs\/a-guide-to-national-insurance-and-state-pension-eligibility\/","og_locale":"en_GB","og_type":"article","og_title":"A guide to National Insurance and State Pension eligibility","og_description":"Introduced in 2016, the\u00a0new State Pension\u00a0is a payment based on your National Insurance record when you get to State Pension age.","og_url":"https:\/\/www.moorethompson.co.uk\/blogs\/a-guide-to-national-insurance-and-state-pension-eligibility\/","og_site_name":"Moore Thompson","article_published_time":"2022-12-02T11:12:50+00:00","article_modified_time":"2022-12-02T11:12:52+00:00","og_image":[{"width":1280,"height":720,"url":"https:\/\/www.moorethompson.co.uk\/blogs\/wp-content\/uploads\/2022\/12\/M.T.-Blog-Graphic-02.12.2022.png","type":"image\/png"}],"author":"admin","twitter_card":"summary_large_image","twitter_title":"A guide to National Insurance and State Pension eligibility","twitter_description":"Introduced in 2016, the\u00a0new State Pension\u00a0is a payment based on your National Insurance record when you get to State Pension age.","twitter_image":"https:\/\/www.moorethompson.co.uk\/blogs\/wp-content\/uploads\/2022\/12\/M.T.-Blog-Graphic-02.12.2022.png","twitter_misc":{"Written by":"admin","Estimated reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.moorethompson.co.uk\/blogs\/a-guide-to-national-insurance-and-state-pension-eligibility\/#article","isPartOf":{"@id":"https:\/\/www.moorethompson.co.uk\/blogs\/a-guide-to-national-insurance-and-state-pension-eligibility\/"},"author":{"name":"admin","@id":"https:\/\/www.moorethompson.co.uk\/blogs\/#\/schema\/person\/0d9cc808e7eb5eb75ce773e69c3d97fb"},"headline":"A guide to National Insurance and State Pension eligibility","datePublished":"2022-12-02T11:12:50+00:00","dateModified":"2022-12-02T11:12:52+00:00","mainEntityOfPage":{"@id":"https:\/\/www.moorethompson.co.uk\/blogs\/a-guide-to-national-insurance-and-state-pension-eligibility\/"},"wordCount":324,"image":{"@id":"https:\/\/www.moorethompson.co.uk\/blogs\/a-guide-to-national-insurance-and-state-pension-eligibility\/#primaryimage"},"thumbnailUrl":"https:\/\/www.moorethompson.co.uk\/blogs\/wp-content\/uploads\/2022\/12\/M.T.-Blog-Graphic-02.12.2022-1024x576.png","articleSection":["Accountancy","Blog","News","Pension"],"inLanguage":"en-GB"},{"@type":"WebPage","@id":"https:\/\/www.moorethompson.co.uk\/blogs\/a-guide-to-national-insurance-and-state-pension-eligibility\/","url":"https:\/\/www.moorethompson.co.uk\/blogs\/a-guide-to-national-insurance-and-state-pension-eligibility\/","name":"A guide to National Insurance and State Pension eligibility - Moore Thompson","isPartOf":{"@id":"https:\/\/www.moorethompson.co.uk\/blogs\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.moorethompson.co.uk\/blogs\/a-guide-to-national-insurance-and-state-pension-eligibility\/#primaryimage"},"image":{"@id":"https:\/\/www.moorethompson.co.uk\/blogs\/a-guide-to-national-insurance-and-state-pension-eligibility\/#primaryimage"},"thumbnailUrl":"https:\/\/www.moorethompson.co.uk\/blogs\/wp-content\/uploads\/2022\/12\/M.T.-Blog-Graphic-02.12.2022-1024x576.png","datePublished":"2022-12-02T11:12:50+00:00","dateModified":"2022-12-02T11:12:52+00:00","author":{"@id":"https:\/\/www.moorethompson.co.uk\/blogs\/#\/schema\/person\/0d9cc808e7eb5eb75ce773e69c3d97fb"},"breadcrumb":{"@id":"https:\/\/www.moorethompson.co.uk\/blogs\/a-guide-to-national-insurance-and-state-pension-eligibility\/#breadcrumb"},"inLanguage":"en-GB","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.moorethompson.co.uk\/blogs\/a-guide-to-national-insurance-and-state-pension-eligibility\/"]}]},{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/www.moorethompson.co.uk\/blogs\/a-guide-to-national-insurance-and-state-pension-eligibility\/#primaryimage","url":"https:\/\/www.moorethompson.co.uk\/blogs\/wp-content\/uploads\/2022\/12\/M.T.-Blog-Graphic-02.12.2022.png","contentUrl":"https:\/\/www.moorethompson.co.uk\/blogs\/wp-content\/uploads\/2022\/12\/M.T.-Blog-Graphic-02.12.2022.png","width":1280,"height":720},{"@type":"BreadcrumbList","@id":"https:\/\/www.moorethompson.co.uk\/blogs\/a-guide-to-national-insurance-and-state-pension-eligibility\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.moorethompson.co.uk\/blogs\/"},{"@type":"ListItem","position":2,"name":"A guide to National Insurance and State Pension eligibility"}]},{"@type":"WebSite","@id":"https:\/\/www.moorethompson.co.uk\/blogs\/#website","url":"https:\/\/www.moorethompson.co.uk\/blogs\/","name":"Moore Thompson","description":"Blog","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.moorethompson.co.uk\/blogs\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-GB"},{"@type":"Person","@id":"https:\/\/www.moorethompson.co.uk\/blogs\/#\/schema\/person\/0d9cc808e7eb5eb75ce773e69c3d97fb","name":"admin","image":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/www.moorethompson.co.uk\/blogs\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/d498d367d2804be15bc61803b6b418ff4e3a763854a712330b138d6e2af0153a?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/d498d367d2804be15bc61803b6b418ff4e3a763854a712330b138d6e2af0153a?s=96&d=mm&r=g","caption":"admin"},"url":"https:\/\/www.moorethompson.co.uk\/blogs\/author\/admin\/"}]}},"_links":{"self":[{"href":"https:\/\/www.moorethompson.co.uk\/blogs\/wp-json\/wp\/v2\/posts\/19837","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.moorethompson.co.uk\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.moorethompson.co.uk\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.moorethompson.co.uk\/blogs\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.moorethompson.co.uk\/blogs\/wp-json\/wp\/v2\/comments?post=19837"}],"version-history":[{"count":1,"href":"https:\/\/www.moorethompson.co.uk\/blogs\/wp-json\/wp\/v2\/posts\/19837\/revisions"}],"predecessor-version":[{"id":19839,"href":"https:\/\/www.moorethompson.co.uk\/blogs\/wp-json\/wp\/v2\/posts\/19837\/revisions\/19839"}],"wp:attachment":[{"href":"https:\/\/www.moorethompson.co.uk\/blogs\/wp-json\/wp\/v2\/media?parent=19837"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.moorethompson.co.uk\/blogs\/wp-json\/wp\/v2\/categories?post=19837"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.moorethompson.co.uk\/blogs\/wp-json\/wp\/v2\/tags?post=19837"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}