State pension warning as your National Insurance years may not qualify – check now | Personal finance | Finance

For example, some people may be unemployed and not claiming benefits and could therefore be absent.

Those who do not earn enough, or in other circumstances where they are not eligible, could benefit from national insurance credits.

The government’s website explains: ‘You may be able to get National Insurance credits if you don’t pay National Insurance.

“For example, when you apply for benefits because you are sick or unemployed.”

The credits could help Britons fill gaps in their National Insurance record to help them qualify for the state pension.

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