National Insurance credits from the state pension can be transferred between partners – find out more now.
STATE pension income is based on National Insurance (NI) records, however credits may be granted if contributions are not made. NI credits can be used to ensure a person’s eligibility for a state pension and can be transferred between retirees.
To receive a state pension, you must have at least 10 years of NI contributions, with 35 years required for the full amount of £179.60 a week. Normally, NI contributions are made throughout a person’s working life, although NI credits may be provided if this is not practicable.
If a person does not pay NI through usual ways, they may be eligible for NI credits.
When a person is unable to work due to factors such as illness, being a caregiver, or being unemployed, these credits may be provided.
For instance, a person may be eligible for NI credits if they:
Credits can assist fill in gaps in a person’s NI record, and if they’re eligible, they’ll either get them automatically or have to apply for them.
If a person is eligible, they will receive one of the following types of credits:
It’s worth noting that credits can be transferred between partners in households with child-rearing responsibilities.
If one parent has an excess amount and the other needs a boost, this might be done.
If they have paid a year’s worth of National Insurance contributions, known as a “qualifying year,” NI credits earned through registering for child benefit can be transferred to a spouse or partner who is living with them.
These transfers are made by filling out a special form.
On or after April 6, 2010, NI credits can be transferred from a partner who received child benefit for a kid under the age of 12 by submitting an application for transfer of class three credits.
This is done by filling out a CF411A form available on the government’s website.
State pensions are only available to people who have reached a certain age.
For most people, the current state pension age is 66.
Between 2026 and 2028, however, this number will climb to 67.
By 2046, it will have risen to 68.
People can go to the government’s website to find out when they can apply for a state pension.
When a person is ready, they can apply for their state pension online, over the phone, or by mail.