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<p>National Insurance credits are generally available to people who are unable to
work and pay contributions for example if they are unemployed, incapable of work or
caring for others.</p><p> </p><p> </p><p> </p><p>National Insurance credits are awarded
automatically with qualifying social security benefits; otherwise applications are
required to determine eligibility.</p><p> </p><p> </p><p> </p><p>The Government is
introducing a new credit for those who reach State Pension age on or after 6 April
2016. It will be available to the spouses and civil partners of members of HM Forces
for past periods spent accompanying their Service partner on postings outside the
UK.</p><p> </p><p> </p><p> </p><p>Those not eligible for National Insurance credits
may be able to fill gaps in their record to protect certain benefits by paying voluntary
contributions. These are subject to time limits; and higher rate provisions when paid
late.</p><p> </p><p> </p><p> </p><p>For those who would like further information on
their National Insurance record they should go to the GOV.UK website <a href="https://www.gov.uk/voluntary-national-insurance-contributions"
target="_blank">https://www.gov.uk/voluntary-national-insurance-contributions</a></p><p>
</p><p> </p><p> </p>
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