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.