An individual usually has up to six years to fill gaps in their National Insurance (NI) record, with the deadline being 5 April each year.
However, there is a temporary extension in place which allows individuals to pay voluntary NI contributions as far back as 6 April 2006 and up to 5 April 2017. This extension ends on 5 April 2025.
If you think you could have gaps in your NI record you should consider obtaining a state pension forecast. You can do this by following this link: https://www.gov.uk/check-state-pension.
The state pension forecast will allow you to view any gaps in your record and help you to decide on paying any voluntary NI contributions. It will also detail how much state pension you could get and how many more qualifying years you need to obtain a full state pension.
Rachel Roberts is a Senior Tax Accountant and would be happy to chat through any queries or concerns you have on 01242 776000 or rachel.roberts@randall-payne.co.uk.
