Have you got gaps in your National Insurance history which may result in you receiving a lower state pension?

You can 'backfill' these gaps, but only as far back as the preceding 6 tax years.

However, at the moment a loophole exists that will allow you to go back all the way to 2006.

You've only got until April 2025 to do this however and then the opportunity is gone.

Benjamin explains all in this episode.

Links discussed in the episode:

Check your national insurance record here.
Get your state pension forecast here.
Calculator here to run your own figures. 

Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps you to never make another financial mistake.

Getting on top of your personal finances doesn't need to be complicated or scary. Arm yourself with the only knowledge you need to transform yourself from money novice to money nerd!

Take my 5 minute retirement assessment (can you already afford to retire?) 🚀


Disclaimer - please note that nothing in this podcast can be relied upon as financial advice and the content is provided purely for information and guidance purposes. Please seek independent, regulated financial advice relevant to your situation.