Only 7 weeks left to boost State Pension by filling gaps in National Insurance records from 2006 onwards
Both Irish and UK citizens living in Ireland can still benefit from social insurance contributions they made when working in the UK but time is short!
We recently highlighted the upcoming deadline for individuals who previously worked in the UK and may be eligible for a UK State Pension. Many people remain unaware of pensions they’ve contributed to from past jobs, especially those who worked in the UK during the 1980s and after the Celtic Tiger Crash of 2008.
With workplace pension schemes, state pensions, and private retirement funds, billions of pounds remain unclaimed—and some of it could belong to you!
HM Revenue and Customs (HMRC) recently revealed that since April last year, individuals looking to maximise their State Pension by addressing gaps in their National Insurance records have collectively contributed 68,673 years, amounting to £35 million, via the online service.
With only 7 weeks left until the 5th of April and considering the backlog and time needed for processing (including registered post), it is crucial to take action now.
HMRC’s analysis of the digital service shows:
- Over 37,000 online payments have been made through the service.
- 65% of the years topped up by customers are from 2017 onwards.
- The average top-up payment online is £1,835.
- The largest weekly State Pension increase is £113.76.
HMRC and the Department for Work and Pensions (DWP) remind customers that they have until 5 April to review their National Insurance records and address any gaps from 6 April 2006 onwards.
Starting from 6 April 2025, individuals will only be able to make voluntary National Insurance contributions for the previous 6 tax years, following standard time limits.
HMRC and the Department for Work and Pensions (DWP) remind customers that they have until 5 April to review their National Insurance records and address any gaps from 6 April 2006 onwards.
Step By Step Guide:
Step 1
You’ll need your National Insurance number and passport.
Ideally, use a biometric passport, as you’ll scan it with your phone to authenticate your identity. Login here
New users can register here: Government Gateway User ID
Step 2
With your National Insurance number and passport, visit the UK government website to check your state pension account. You’ll receive a Gateway ID, which you should keep safe. Download the Gov.uk ID Check app to verify your identity.
Using your Gateway ID, log in to gov.uk/checkstatepension to check your pension forecast. This will display your National Insurance record, how many years of contributions you have, and which years are missing.
Step 3
To buy back UK pension years, complete the CF83 application form, which is available in PDF format at Gov.uk NI38 form. Print off the CF83 form and send it to HMRC by registered post.
You can track your application progress by logging in to gov.uk/check-your-state-pension after at least two weeks using your Gateway ID and password.
With 20 years of experience in Track & Trace (formerly Search & Rescue) and a decade dedicated to UK pensions, we can help!
We understand that many people are busy and may not have the time to navigate the process—this is where we can help!
With 20 years of experience in Track & Trace (formerly Search & Rescue) and a decade dedicated to UK pensions, we’ve assisted countless individuals in reclaiming lost or forgotten pension pots, ensuring they make the most of their hard-earned retirement savings.
How We Can Help You:
- Track and trace your UK pensions – If you’ve worked in the UK at any point, we can help locate any pension funds registered under your name.
- Assess your pension entitlements – We ensure you understand what you’re owed and guide you on how to claim it.
- Maximise your retirement funds – Through expert financial advice, we help you make informed decisions about managing your pensions.
Don’t wait—contact us today!
Call us on +353 (53) 910 0019,
Email Info@kineticfinancial.ie
Or simply fill in your name and email in the form below, and one of our team members will reach out to you.
