{"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 <a href=\"https:\/\/www.moorethompson.co.uk\/blogs\/a-guide-to-national-insurance-and-state-pension-eligibility\/\" class=\"more-link\">&#8230;<span class=\"screen-reader-text\">  A guide to National Insurance and State Pension eligibility<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"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"],"acf":[],"_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}]}}