State pension warning: Your National Insurance contributions may not be qualifying – why?

Qualifying NI years

Qualifying contributions can be received by those who are in or out of work. When a person is working, they’ll get a qualifying year if they’re employed and earning over £184 a week from one employer or they’re self-employed and paying NI contributions.

People may not pay NI contributions because they’re earning less than £184 a week. They may still get a qualifying year if you earn between £120 and £184 a week from one at least employer.

Where Britons are not working, they may get NI credits if they cannot work, for example because of illness, disability, being a carer or being unemployed. For example, a person can get NI credits if they claim Child Benefit for a child under 12, get Jobseeker’s Allowance or Employment and Support Allowance, or get Carer’s Allowance.

Where a person has gaps in their NI record, they may be able to fill them by making voluntary contributions.

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