Two-day last-chance HMRC state pension alert as 120,000 cash in | Personal Finance | Finance

Since the launch of a digital service in April 2024, around 120,000 people have collectively filled more than 260,000 years worth of gaps in their national insurance (NI) records, potentially boosting their state pension, according to HM Revenue and Customs (HMRC). The data was released just days before the deadline for individuals wishing to make top-ups dating back to as far as April 2006.

The average online top-up payment stands at £1,893, with the largest weekly state pension increase so far being £119.31, as per HMRC. More than half (57%) of the years topped up are from 2017 onwards.

People have until April 5 to check their NI record and fill any gaps going back to April 6, 2006. From April 6, 2025, voluntary NI contributions will only be accepted for the previous six tax years, adhering to standard time limits.

However, those finding it difficult to reach helplines can fill out an online callback request form to discuss paying voluntary NI contributions with the Department for Work and Pensions (DWP). As long as the request is submitted by April 5, payments can still be made after the deadline has passed.

Previously, a Government spokesperson said: “Our new online tool will mean that people are able to make top-up payments after the April 5 deadline, provided they complete the callback request form ahead of that date. This will enable us to ensure no one misses out, and to suitably manage demand as the deadline approaches.”

Deciding whether to increase contributions is a personal matter, generally dependent on accumulating 35 years of NI contributions to qualify for the full new state pension.