State pension warning as non-working Britons may lose out – how to secure your sum


State pension payments usually hinge on National Insurance contributions. These are typically built up throughout a person’s working lifetime.

For any state pension at all, Britons will usually need 10 qualifying years of contributions.

Individuals require 35 qualifying years to get the new full state pension.

Some may get less if they were contracted out before April 6, 2016.

However, not all Britons have been in full-time employment and may be worried about their entitlement.

READ MORE: State pension ‘top-up’ may help you slash NHS costs by up to 100%

Those who are not working or getting National Insurance credits may be able to pay voluntary National Insurance contributions.

But it is advised they should check whether paying these will actually increase their state pension by contacting the Future Pension Centre.

People can have gaps in their National Insurance record and still get the full new state pension.

The Government explains: “You can get a state pension forecast which will tell you how much state pension you may get.

“You can then apply for a National Insurance statement from HM Revenue and Customs (HMRC) to check if your record has gaps.”


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