State pension payment typically hinge on the number of National Insurance contributions a person has made throughout their life. For the new state pension, individuals need at least 35 qualifying years to get the full sum.
While some 30 qualifying years are needed for the full basic state pension – the older scheme.
With this in mind, many Britons may be confronted with a shortfall once they approach retirement.
Falling short of the NI contributions required could have a severe impact on the state pension.
As such, many will choose to take action – and they could benefit through making voluntary National Insurance contributions.
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Indeed, voluntary contributions do not always increase the state pension, and Britons should contact the Future Pension Centre to find out more.
Individuals will need to check their National Insurance record before taking action.
This can be done by visiting the Government’s website, where a online portal is available.
It can help Britons determine if gaps in contributions or credits mean some years do not count toward their state pension.
It also gives an indication of whether individuals can pay voluntary contributions to fill any gaps.
The online record, however, does not cover how much state pension a person is likely to get.
Before starting, people will need a Government Gateway ID and password, but if they do not have one, they can create one when checking a record.