Gaps in payments could have an impact
Money saving expert Martin Lewis has issued a warning to his audience over state pensions. According to the money guru, a person typically needs around 30 years' worth of National Insurance contributions to receive a full basic state pension upon retirement.
They found out they had been partially opted out of SERPS , a scheme to pay in to get an extra payment on top of the basic state pension. The scheme was part of the previous basic state pension, which applies to those who reached state pension age before April 6, 2016.Susan said: “I was absolutely staggered because I thought I’d paid shedloads of National Insurance in my time.
Britons can check if they have any gaps in their NI record using the state pension forecast tool on the Government website. Now is a good time to check as until the end of this tax year, in April, people can pay contributions as far back as 2006, 10 years further back from the usual limit, of up to six years ago.
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