State pension: National Insurance records could be affected by time spent abroad – how? | Personal Finance | Finance


State pension payments require at least 10 years of National Insurance contributions to qualify. To receive the full amount of £175.20 per week, a minimum of 35 years of contributions will be needed.

National insurance records are usually built up throughout a person’s working life but of course, there could be huge variation in how people have worked and lived throughout their careers.

Many people will have likely lived or worked abroad for extended periods of their careers which obviously would have affected their ability to build up UK National Insurance credits.

Thankfully, the government has processes in place to account for this.

Currently, it is possible to use time spent abroad to make up the 10 qualifying years needed, with this more likely to affect those who have lived or worked in:

  • The EEA
  • Gibraltar
  • Switzerland
  • Certain countries that have a social security agreement with the UK

READ MORE: State pension: Deferred ‘extra’ payments to increase under triple lock

Currently, the state pension age is 66 for most claimants but it will be rising in the coming months and years.

Under current plans, the state pension age will rise to 67 between 2026 and 2028.

Between 2044 and 2046, the state pension is scheduled to rise to 68.

Beyond this, the government may push the state pension age into the 70s.

Initial payments should arrive within five weeks of reaching state pension age (so long as it’s claimed).

Beyond this, payments will come through every four weeks.

The actual payment day that payments will come through will depend on the claimants National Insurance number.

The last two digits of this number will determine when payments arrive, as detailed below:

  • 00 to 19 – Monday
  • 20 to 39 – Tuesday
  • 40 to 59 – Wednesday
  • 60 to 79 – Thursday
  • 80 to 99 – Friday

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