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>
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National Insurance credits are awarded automatically with qualifying social security benefits; otherwise applications are required to determine eligibility.<\/p>
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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>
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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>
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