Deadline approaching for National Insurance record gaps

Experts warn that individuals have until April 5 to address gaps in their National Insurance records, which could affect their State Pension. After this date, only gaps from the last six tax years can be filled. Those most at risk include people with career breaks, those who worked abroad, or those who took time off for caregiving. Filling these gaps is crucial for securing the full State Pension, which requires 35 qualifying years. Voluntary National Insurance contributions can help bridge these gaps, costing £17.45 per week or £907.40 per year. Each year purchased can increase the State Pension by £328.64 annually, potentially offering significant long-term benefits.