Many people don‘t realise that they have significant gaps in their National Insurance Contribution (NIC) record, and as a result they won‘t be entitled to the full state retirement pension. This can come as a shock when you start to receive your state pension, but by that time it may be too late to fill the gaps in your NIC record.
A taxpayer needs 35 complete NIC years (as payments or national insurance credits) in order to receive the maximum state retirement pension,…
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