National Insurance credits

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Eligibility

These tables show if you might be eligible for National Insurance credits, for example if you’re on Working Tax Credit, Universal Credit or Carer’s Allowance.

Looking for work

Your situation How to get credits
You’re on Jobseeker’s Allowance and not in education or working 16 hours or more a week You get Class 1 credits automatically
You’re unemployed and looking for work, but not on Jobseeker’s Allowance Contact your local Jobcentre to claim Class 1 credits

Ill, disabled or on sick pay

Your situation How to get credits
You’re on Employment and Support Allowance (ESA), or Unemployability Supplement or Allowance You get Class 1 credits automatically
You’re not on Employment and Support Allowance but you satisfy the conditions for it Apply for ‘new style’ ESA to get Class 1 credits
You’re on Statutory Sick Pay and you do not earn enough to make a qualifying year Apply for Class 1 credits. Write to: PT Operations North East England, HM Revenue and Customs, BX9 1AN, United Kingdom. Include your National Insurance number and say when the credits are for and why you’re eligible

On maternity, paternity or adoption pay

Your situation How to get credits
You’re on Maternity Allowance You get Class 1 credits automatically
You’re on Statutory Maternity, Paternity or Adoption Pay, or Additional Statutory Paternity Pay, and you do not earn enough to make a qualifying year Apply for Class 1 credits. Write to: PT Operations North East England, HM Revenue and Customs, BX9 1AN, United Kingdom. Include your National Insurance number and say when the credits are for and why you’re eligible

Parents and guardians

Your situation on or after 6 April 2010 How to get credits
You’re a parent or guardian registered for Child Benefit for a child under 12 (even if you do not receive it) You get Class 3 credits automatically
You want to transfer credits from a spouse or partner who got Child Benefit for a child under 12 Apply to transfer Class 3 credits between parents or guardians
You’re a foster carer, or a kinship carer in Scotland Apply for Class 3 credits
Your situation before 6 April 2010 How to get credits
You’re a parent or guardian who got Child Benefit for a child under 16 between 6 April 1978 and 5 April 2010, but you did not get Home Responsibilities Protection (HRP) automatically Claim HRP to get Class 3 credits
You want to transfer credits from a spouse or partner who got Child Benefit for a child under 16 Apply to transfer HRP between parents or guardians to get Class 3 credits
You were a foster carer, or a kinship carer in Scotland, between 6 April 2003 and 5 April 2010 Claim HRP to get Class 3 credits

Carers

Your situation How to get credits
You’re on Carer’s Allowance You get Class 1 credits automatically
You’re on Income Support and providing regular and substantial care You get Class 3 credits automatically
You’re caring for one or more sick or disabled person for at least 20 hours a week Apply for Class 3 carer’s credits if you’re not on Carer’s Allowance or Income Support

Grandparents and other family members caring for a child

Your situation How to get credits
You’re an eligible family member over 16 but under State Pension age. You’ve cared for a child under 12 at any time since 6 April 2011. The child’s parent or guardian gets Child Benefit and agrees to transfer the credits to you Apply for Specified Adult Childcare Class 3 credits

On Working Tax Credit

Your situation How to get credits
You get Working Tax Credit with a disability premium and you are an employed earner with earnings below the Lower Earnings Limit (currently £6,396 per a tax year) or have profits of less than £6,725 if you’re self-employed You may get Class 1 credits automatically. Check your National Insurance record to see if you’ve been given credits
You get Working Tax Credit without a disability premium and you are an employed earner with earnings below the Lower Earnings Limit (currently £6,396 per a tax year) or have profits of less than £6,725 if you’re self-employed You may get Class 3 credits automatically. Check your National Insurance record to see if you’ve been given credits
You and your partner get Working Tax Credit - only one of you will get Class 3 credits You may get Class 3 credits automatically. Check your National Insurance record to see if you’ve been given credits

On Universal Credit

Your situation How to get credits
You’re getting Universal Credit You get Class 3 credits automatically

On a training course

Your situation How to get credits
You’re over 18 and Jobcentre Plus sent you on a government-approved training course that lasts no longer than 1 year You get Class 1 credits automatically
You’re over 18 and on a government-approved training course that lasts no longer than 1 year but you were not sent by Jobcentre Plus Apply for Class 1 credits. Write to: PT Operations North East England, HM Revenue and Customs, BX9 1AN, United Kingdom. Include your National Insurance number and say when the credits are for and why you’re eligible

On jury service

Your situation How to get credits
You’ve attended court and you’re not self-employed Apply for Class 1 credits. Write to: PT Operations North East England, HM Revenue and Customs, BX9 1AN, United Kingdom. Include your National Insurance number and say when the credits are for and why you’re eligible

Partners of people in armed forces

Your situation How to get credits
You’re married to or a civil partner of a member of the armed forces, went with your partner on an overseas posting after 6 April 2010, and are returning to the UK Apply for Class 1 credits
You’re married to or a civil partner of a member of the armed forces, went with your partner on an overseas posting after 6 April 1975, reach state pension age on or after 6 April 2016, and are not getting Class 1 credits Apply for Class 3 credits

Wrongly imprisoned

Your situation How to get credits
Your conviction was quashed by the Court of Appeal (or the Court of Criminal Appeal in Scotland) Apply for Class 1 credits. Write to: PT Operations North East England, HM Revenue and Customs, BX9 1AN, United Kingdom. Include your National Insurance number and say when the credits are for and why you’re eligible

Who cannot get credits

You cannot usually get credits if you’re: