Maximise Your State Pension

For many people the State Pension will make up a significant chunk of their income in retirement. Here are three steps to make sure you get the maximum benefit from the State Pension.


Claim National Insurance (NI) credits

You need 10 years of National Insurance (NI) contributions to get any state pension, and 35 to qualify for the full amount. NI credits let you fill gaps in your record when you're not working and can't make contributions - for example, if unemployed, caring for children, ill or disabled, taking an approved training course or doing jury service. The credits build qualifying years for your state pension and could help boost your final entitlement.


Plug gaps in your record


If there was a time when you did not pay enough National Insurance contributions or get enough National Insurance credits to give you a qualifying year, you may find you have a gap on your record. You can top this up by making Voluntary 'Class 3' National Insurance Contributions - the rate for the 2019-20 tax year is £15 a week. If you have questions about whether the top-up is value for money, it is worth considering that, based on 2019-20 figures, you would only have to be in receipt of State Pension for three years to get back more than the cost of the top-up. To check your NI record go to


Defer your state pension


Delaying or deferring your state pension could result in a higher weekly state pension or even a lump-sum payment (for those who reached state pension age before 6 April 2016). How much you get depends on your state pension age. Under the new system, for every nine weeks that you defer your state pension, you will get an increase of 1% (or 5.8% for a full year). This is less generous than the previous system.

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