{"id":25047,"date":"2023-07-13T11:46:27","date_gmt":"2023-07-13T10:46:27","guid":{"rendered":"https:\/\/smh.group\/?p=25047"},"modified":"2023-07-13T11:46:27","modified_gmt":"2023-07-13T10:46:27","slug":"national-insurance-gap-extension","status":"publish","type":"post","link":"https:\/\/devstagesite.co.uk\/smhgroup\/national-insurance-gap-extension\/","title":{"rendered":"National insurance gap extension"},"content":{"rendered":"<p><strong>The normal time limit for a person to fill gaps in their national insurance (NI) record is six years, but transitional arrangements allow gaps to be filled back to 2006\/07. The deadline for making such contributions was recently extended to 31 July 2023, but has now been extended to 5 April 2025.<\/strong><\/p>\n<p>The deadline has been delayed because people have been finding it difficult to get through on pension helplines once the July deadline received a publicity boost. The transitional arrangement will now apply for the years 2006\/07 to 2017\/18.<\/p>\n<p>Voluntary NI contributions for the years 2006\/07 to 2017\/18 paid by 5 April 2025 will be at the 2022\/23 rate of \u00a315.85 a week, even though the rate is currently \u00a317.45.<\/p>\n<h2><strong>Contribution record<\/strong><\/h2>\n<p>The first step is for a person to check their state pension forecast and NI record. This can easily be done online.<\/p>\n<ul>\n<li>Voluntary contributions will not always increase the amount of state pension. The decision can be especially complex if contracted out of the state pension prior to 2016.<\/li>\n<li>A person in very poor health or with a short life expectancy will probably not benefit from voluntary contributions.<\/li>\n<\/ul>\n<p>Personalised advice can be obtained by contacting the <a href=\"https:\/\/www.gov.uk\/future-pension-centre\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline;\"><strong>Future Pension Centre<\/strong><\/span><\/a> (if not yet at state pension age) or the <a href=\"https:\/\/www.gov.uk\/contact-pension-service\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline;\"><strong>Pension Service<\/strong><\/span><\/a> (if already receiving the state pension).<\/p>\n<h2><strong>The benefit<\/strong><\/h2>\n<p>A person needs 35 qualifying years on their NI record to qualify for the full state pension, which is currently \u00a310,600 a year. To add a full year the cost is \u00a3824, but this will boost annual pension entitlement by some \u00a3303 \u2013 a very respectable return for someone who then enjoys at least five years of retirement.<\/p>\n<p>The return will be even better if partially complete years can be filled since these might only require a few missing weeks \u2013 at \u00a315.85 per week \u2013 to be paid.<\/p>\n<p>A state pension forecast can be obtained <span style=\"text-decoration: underline;\"><strong><a href=\"https:\/\/www.gov.uk\/check-state-pension\" target=\"_blank\" rel=\"noopener\">here<\/a><\/strong><\/span>.<\/p>\n<p>Our <a href=\"https:\/\/devstagesite.co.uk\/smhgroup\/chartered-accountants\/\"><span style=\"text-decoration: underline;\"><strong>Yorkshire and Derbyshire based Accounting &#038; Business Advisory<\/strong><\/span><\/a> can assist on <strong>0114 266 4432<\/strong> or <a href=\"mailto:info@smh.group\"><span style=\"text-decoration: underline;\"><strong>info@smh.group<\/strong><\/span><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The normal time limit for a person to fill gaps in their national insurance (NI) record is six years, but transitional arrangements allow gaps to be filled back to 2006\/07. The deadline for making such contributions was recently extended to 31 July 2023, but has now been extended to 5 April 2025.<\/p>\n","protected":false},"author":4,"featured_media":22390,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[3],"tags":[83,77,227],"class_list":["post-25047","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-smh-accounting-business-advisory","tag-chartered-accountants","tag-financial-planning","tag-national-insurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>National insurance gap extension - SMH Group<\/title>\n<meta name=\"description\" content=\"The normal time limit for a person to fill gaps in their national insurance (NI) record is six years, but transitional arrangements allow gaps to be filled back to 2006\/07. 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