State Pension entitlement

To qualify for the full UK State Pension you need to have made 44 years (41 if female) of National Insurance contributions by the time you reach 65 (or 60 if female) years of age.

However, the Taxman has been known to lose some of their records and thus we recommend you phone your local tax office to check your contributions record. This is only a 5 minute phone call which could pay dividends in the future.

If they have lost some years when you are confident you paid the required NIC you can then set about correcting the HMRC errors.