To fill gaps or continue to contribute?

Bookowl

Hello,
Hope someone can help.
I have full missing years in 2007 and 2008 with a partial year in 2013.
As of April 2024 my state pension is £111.68.
The online portal says I need contribute for another 18 years for me to receive the full state pension and would be on track to receive £221.20.
Currently, I'm in ill health and so don't know in future what my health situation or the benefits situation would be. Whether not in future years what the govt will do with national insurance contributions based on someone receiving benefits. It’s all a bit up in the air.

TadleyBaggie

For background information, based on their previous thread, they have until 2056 (at the earliest) before their SPA.

molerat

https://forums.moneysavingexpert.com/discussion/6453232/should-i-pay-missing-ni-contributions-if-i-m-35#latest  

My answer is still the same as in 2023

I suspect that your forecast states you need another 19 years to reach the max with 33 years left to get there.  That means you will currently have somewhere around £93 at April 2022 / 23. There is little to no point in filling those gaps if you intend working or claiming benefits for those 19 years with another 14 years spare. 12-13 may be attractive if you really want to.

Bookowl

Thanks both 🙂