State Pension query - won't get full pension but I have no NI gaps

17 Posts


I have full NI years going back to the late 70s (so 40+ years) and retired in 2021 aged 60. On checking the state pension on the GOV website I may get in a few years I find that it will be £175 pw rather than the full £185. I have no gaps I can fill but I am hearing about people being able to contribute to fill gaps to get the full £185. The GOV website says I can't get more unless I have another 2 NI years? So it seems that I would have to go back to work even though I have so many full NI years already? I am not understanding why I need so many years to get the full amount. Can anybody help by explaining this? Why can't I choose to contribute to top my pension up?
0
Latest MSE News and Guides
Childcare budget boost
More support for children from nine months and those on Universal Credit
MSE News
Replies
Number of pre 2016 NI years full
Number of post 2016 NI years full
Financial year you reach state retirement
Any COPE amount shown - a click link in the contracted out bit at the bottom
Years which show not full and prices
https://forums.moneysavingexpert.com/discussion/comment/79911360/#Comment_79911360