1. Overview

You may be able to get National Insurance credits if you’re not paying National Insurance.

Credits can help to fill gaps in your National Insurance record, protecting your entitlement to:

  • the State Pension
  • contributory working age benefits
  • bereavement benefits for your partner

Credits are for people in certain circumstances, eg when you’re ill or unemployed and claiming benefits.

There are 2 types of credits - Class 1 and Class 3. Class 1 credits count towards your basic state pension, bereavement benefits and some other benefits, eg Jobseekers Allowance. Class 3 credits count towards your basic State Pension and bereavement benefits only.

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