NI credits

I've tried finding the answer to this on the Gov website but couldn't so I'm hoping someone on here might know. I have a few years where my national insurance contributions are not complete as my wages were too low to pay NI. I'm assuming this will affect my pension and the only option it gives me is to pay to top up, when I look at the credits if I was unemployed and claiming benefits I would have been credited but as I was working I get nothing. Does anyone know if this is correct?


  • molerat
    molerat Posts: 31,517
    Name Dropper Photogenic First Post First Anniversary
    edited 13 February at 11:43AM
    If you are working and earning over the LEL, currently £123 pw, you will get NI credits, you don't have to be earning enough to pay NI to be credited.
    Have you checked your pension forecast to see if those gaps will actually have any effect on your pension ?
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