State pension income requires at least 10 years of NI contributions, with 35 years needed to receive the full amount of £179.60 per week. It’s possible to check on one’s NI record ahead of reaching the state pension age and where gaps exist, voluntary contributions can be made.
While this is no longer an option, married women or widows who paid this reduced rate will also not be able to pay voluntary contributions.
Usually, voluntary contributions can cover the previous six years and the deadline falls on April 5 each year.
To find out how to pay voluntary class two or three contributions, a person can head to the Government’s website where there is detailed guidance.
Additionally, impartial guidance can be sought from the likes of Pension Wise and the Money Advice Service.
People can claim their state pension up to four months before reaching their state pension age.
The quickest way to get a state pension is to apply online.
However, they can also be claimed over the phone or through the post.
When state pensions are claimed, they’ll usually be paid once every four weeks.