Wojciech

Diploma for Financial Advisers
Diploma in Accounting
Member of London Institute of Banking and Finance

National Insurance credits are a way to help people in the UK build up their entitlement to certain benefits, like the State Pension, even if they can’t work or pay National Insurance (NI) contributions at certain times.

Here’s how it works:

Who Gets Them? If you’re not working because you’re unemployed, sick, a carer, or looking after children, you can get NI credits.

Why Are They Important? They fill in the gaps in your NI record, so you don’t miss out on benefits like the State Pension.

How Do They Help? Usually, you need a certain number of years of NI contributions to get the full State Pension. NI credits count as contributions for the years you can’t pay.

Think of it as a safety net, ensuring that everyone has the chance to get full benefits when they retire, even if they had periods when they couldn’t work.