Good news for those looking to maximize their State Pension! The UK government has extended the deadline for making voluntary National Insurance (NI) contributions to fill gaps in your record. You now have until 5 April 2025 to backfill missing years dating all the way back to 2006/07—an opportunity that could significantly boost your retirement income.

Why This Matters

Your State Pension is based on your NI record, with a full pension requiring 35 qualifying years of contributions. If you have gaps in your record due to periods of unemployment, self-employment, or living abroad, you may not qualify for the full pension amount.

By making voluntary contributions, you can: ✔ Increase your weekly pension income ✔ Secure a more comfortable retirement ✔ Make up for missed years at a lower cost (before the standard 6-year backfill rule resumes)

How to Check and Take Action

1. Check Your NI Record – Visit the Government’s NI checker to see if you have any gaps.
2. Get a State Pension Forecast – Use the State Pension forecast tool to estimate how much you’ll receive and whether voluntary contributions will benefit you.
3. Contact HMRC – If you have gaps, call the Future Pension Centre or HMRC to determine eligibility and contribution amounts.
4. Make Contributions Before 5 April 2025 – This deadline gives you a rare chance to boost your pension beyond the usual six-year limit.



Don’t Miss Out – Act Now!

This extension provides a limited-time chance to enhance your retirement income. The sooner you act, the better, as processing times can be long.