State pension top-ups deadline may extend to April 18

Savers looking to top up their state pensions may have more time to do so. New information from the Government website suggests that the deadline for voluntary contributions may be extended to April 18, 2025, instead of the original cut-off of April 5. The Government has not officially confirmed this extension. However, individual National Insurance records indicate that payments for years up to 2016-2017 can be accepted until April 18. Earlier this month, a high volume of inquiries caused delays, prompting authorities to consider a more flexible deadline. People wishing to make back payments for missing National Insurance years, stretching back to 2006, can use a new callback request system. Even if they do not receive a response by April 5, they might still be able to make their payments. The exact duration of this service is unclear. Many readers have reached out regarding the rush to complete these topping-up payments before the deadline. An extension to April 18 could provide much-needed relief to those trying to boost their retirement income. Complaints have surfaced regarding long waiting times for information on which years are eligible for topping up. The process involves checking National Insurance records and waiting for confirmation on purchases from HM Revenue and Customs (HMRC) and the Department for Work and Pensions. Savers are encouraged to check their National Insurance records to identify any gaps. If you have information regarding the deadline extension, the Government invites you to share your experience by emailing them.