In order to maximise entitlement to full State Benefits, a full contribution record Is required. It is possible to check your National Insurance record online to see:

• what you’ve paid, up to the start of the current tax year (6 April 2018)
• any National Insurance credits you’ve received
• if gaps in contributions or credits mean some years don’t count towards your State Pension (they aren’t ‘qualifying years’)
• if you can pay voluntary contributions to fill any gaps and how much this will cost

As with all of our tax tips and web pages this information is necessarily summarised and of a general nature.  If you would like detailed specific advice please contact us.