{"id":34229,"date":"2025-07-30T20:19:11","date_gmt":"2025-07-30T20:19:11","guid":{"rendered":"https:\/\/www.newsbeep.com\/uk\/34229\/"},"modified":"2025-07-30T20:19:11","modified_gmt":"2025-07-30T20:19:11","slug":"hmrc-blocking-state-pensioners-from-their-full-amount-because-of-record","status":"publish","type":"post","link":"https:\/\/www.newsbeep.com\/uk\/34229\/","title":{"rendered":"HMRC blocking state pensioners from their ‘full’ amount because of record"},"content":{"rendered":"

If you do not pay National Insurance you may have gaps in your National Insurance record, HMRC has warned via Twitter\/X\"HMRCHMRC blocking state pensioners from their ‘full’ amount because of record<\/p>\n

HMRC has warned some state pensioners could miss out on their “full” state pension amounts from the Department for Work and Pensions (DWP<\/a>).<\/p>\n

If you do not pay National Insurance you may have gaps in your National Insurance record, HMRC has warned via Twitter\/X. “I have checked my Government pension and I found out that I have a lower monthly pension,” the taxpayer said.<\/p>\n

“It looks like I was paying a lower rate of income tax for six years as self-employed which was between permanent employment. I’m 63 and I have worked all my life, can I get full pension?” HMRC replied:<\/a> “You usually need 35 qualifying years of National Insurance contributions to get the full amount.<\/p>\n

READ MORE UK households who ‘aren’t at home’ risk \u00a380 fine ahead of new bin rules<\/a><\/p>\n

“You’d need to check your NI history to view how many qualifying years you have.” The taxpayer asked: “I do have over 45 years contributions but six years I worked self-employed but paid less for those two years.<\/p>\n

“Is there any way I can top those six years up?” HMRC said in response: “You’d need to contact the Future Pension Centre for an adviser to confirm.<\/p>\n

“If they check your record and then confirm it’s worth your while to make a top-up for those years, we can then advise on the next steps.” You cannot pay voluntary contributions if you do not have gaps in your National Insurance record – unless you\u2019re getting Class 3 credits and are eligible to pay Class 2 contributions, are a married woman or widow paying reduced rate National Insurance or have passed the deadline for paying contributions for the period that has gaps.<\/p>\n

Check your National Insurance record to find out if you have any gaps and how much it will cost to pay voluntary contributions.<\/p>\n

You can also check if you\u2019ll benefit from paying voluntary contributions or if you can pay online.<\/p>\n

If you have gaps in your National Insurance record, check if you\u2019re eligible for National Insurance credits before deciding to pay voluntary contributions.<\/p>\n

Contact HM Revenue and Customs (HMRC) if you think your National Insurance record is wrong.<\/p>\n","protected":false},"excerpt":{"rendered":"If you do not pay National Insurance you may have gaps in your National Insurance record, HMRC has…\n","protected":false},"author":2,"featured_media":34230,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[84,4176,2218,4174,4175,56,54,55],"class_list":["post-34229","post","type-post","status-publish","format-standard","has-post-thumbnail","category-personal-finance","tag-business","tag-finance","tag-hmrc","tag-personal-finance","tag-personalfinance","tag-uk","tag-united-kingdom","tag-unitedkingdom"],"_links":{"self":[{"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/posts\/34229","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/comments?post=34229"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/posts\/34229\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/media\/34230"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/media?parent=34229"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/categories?post=34229"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/tags?post=34229"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}