National Insurance credits may help you fill gaps in your record – are you eligible? | Personal Finance | Finance

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The support is available for people who are not paying National Insurance, such as when they are on benefits or because they are ill or unemployed. The credits can help ensure that a person accrues their entitlement to the State Pension.

A person will either receive the credits automatically or they will have to apply for them.

There are two types of credits:

  • Class 1 – these count towards the claimant’s State Pension and can help them qualify for some other benefits, such as contribution-based Jobseeker’s Allowance
  • Class 3 – these credits count towards your State Pension only

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People can also transfer their credits that you got from registering for Child Benefit to their spouse or partner who is living with them, if the person has paid a year’s National Insurance contributions.

People who receive Class 1 credits automatically include those who are:

  • On Jobseeker’s Allowance, not in education or working 156 hours a week
  • On Employment and Support Allowance or Unemployability Supplement Allowance
  • On maternity leave
  • On Carer’s Allowance
  • On Working Tax Credit with a disability premium, with earnings below the lower earnings limit (currently £6,396 per a tax year) or have profits of less than £6,725 if self-employed
  • Over 18 and Jobcentre Plus has sent the person on a Government-approved training course that lasts no longer than a year

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People can also apply for Class 3 credits if they are:

  • Want to transfer credits from a spouse or partner who got Child Benefit for a child under 12
  • A foster carer or kinship carer in Scotland
  • A parent who got Child Benefit for a child under 16 between April 6, 1978 and April 5, 2010, but they did not get Home Responsibilities Protection (HRP) automatically
  • Want to transfer credits from a spouse or partner who got Child Benefit for a child under 16
  • Were a foster carer, or a kinship carer in Scotland, between April 6, 2003 and April 5, 2010
  • Caring for one or more sick or disabled person for at least 20 hours a week
  • A family member over 16 but under State Pension age and are caring for a child under 12, usually while the parent or main carer is working. This includes care from a distance because of coronavirus
  • Married to or a civil partner of a member of the armed forces, and went with a partner on an overseas posting after April 6, 1975, will reach state pension age on or after April 6, 2016, and are not getting Class 1 credits

People cannot get the credits if you are a married woman paying reduced rate National Insurance, or are self-employed and need to pay Class 2 National Insurance.

Britons can check their National Insurance record to find out if they have credits.

More information about how to apply for National Insurance credits is available on the gov.uk website.

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