Should You Top Up Your State Pension? | Gaps Between 2006–2019 Explained

Описание: Are you thinking about filling gaps in your National Insurance record? In this video, we explore the pros and cons of topping up your State Pension for the years between April 2006 and April 2019.

This can be a valuable opportunity for some — but it’s not the right choice for everyone.

We cover: ✅ Who may benefit the most from topping up
⚠️ Why some people might not need to pay extra (e.g. if they’re still working or receiving NI credits from certain benefits)
👵👴 How retired people could also benefit
📆 The limited-time opportunity to fill these specific years
💡 Why checking first is essential — some top-ups may bring no extra benefit

📞 Key Contacts:

Not yet at State Pension age?
Contact the Future Pension Centre: 0800 731 0175

Already at State Pension age?
Contact the Pension Service: 0800 731 0469

🕘 Both lines are open Monday to Friday, 8am to 6pm.
These services can check your National Insurance record and confirm whether topping up will actually increase your State Pension.
It is possible to pay for a gap and see no financial benefit — so taking this step is crucial.

🔗 Useful Links:

💰 Step-by-step guide from MoneySavingExpert:
https://www.moneysavingexpert.com/sav...

📞 Struggling to get through to the Future Pension Centre?
Request a callback here before the deadline:
https://secure.dwp.gov.uk/request-a-c...
👉 Important: Take a screenshot of your confirmation (with the date visible) and email it to yourself — just in case you need proof of the request later.

💬 If you’ll retire with no other income or pensions, topping up may not be the best move. Speak to Citizens Advice for personalised guidance:
https://www.citizensadvice.org.uk/abo...

📌 DISCLAIMER: This video is for general information only. It does not constitute personal financial advice. Always consider speaking to a qualified financial adviser or checking with HMRC or DWP before making any decisions about voluntary National Insurance contributions.

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