Full state pension in July 2037

RoadToRiches

So looking at my state pension forecast, I have a one year gap between 2022-23 where I did not claim any benefits, was not in employment and despite being eligible at the time for carers allowance did not claim it. I went to DWP about this after the fact but basically got told tough luck for that year. 

They want £923 for that year to make up the gap, however it says my forecast is at max and cannot be improved anymore unless I defer taking my pension which I won’t do. So my question is it even worth paying that just to fill the gap. 

Could successive governments come along and say you need more years for a state pension over and above what it is now, the preverbal changing of the goal posts, already feelers out there that state pension could be put back a year meaning I will have to wait to 68 to get it - yet another year towards the graveyard!!!! 

p00hsticks

No, if your forecast says that it cannot be improved and no further contributions are needed there is no point in paying to fill in gaps.

You don't say how old you are.

Successive governments can always change the goalposts on on state pension rules such as increase the age, but I believe it's now accepted after all the WASPE fuss that they'd give at least ten years notice of any such changes, and - as demonstrated after the introduction of the new state pension - allow people plenty of time to fill in any gaps if they turned out to later be needed.