Sometimes, there will be instances where a person has gaps on their National Insurance record.
This, for instance, could be a result of a career break, or low-income part time work which doesn’t meet the National Insurance threshold for a “qualifying year”.
All is not lost, though, as people can claim National Insurance credits as a replacement.
The issue, however, lies in the fact many people are not taking the opportunity to actively claim these credits, and thus their state pension could be damaged as a result.
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