Thousands of troops’ partners who travelled overseas are missing out on credits worth £250 a year. We explain how you can claim these back.
If your partner served in the forces since 1975, you could be missing out on National Insurance Credits worth £250 a year.
What’s this story about?
It’s been revealed that as many as 20,000 people could be missing out on receiving National Insurance Credits every year.
The credits are aimed towards spouses or civil partners who had to move overseas during their partner’s service.
Pensions minister Guy Opperman says:
“These credits ensure spouses or civil partners who have been unable to work during those times do not lose out on entitlement to the State Pension.”
In a bid to encourage more people to step forward, the government have updated guidance about claiming the credits on the GOV.UK website.
How does this affect you?
If you’ve ever moved abroad as a result of your partner serving in the armed forces, you can still claim back these credits – even if they’re now deceased or you’re no longer together.
These credits are there to help you fill gaps in your National Insurance if you were unable to work when you were overseas. You can see if you’re owed anything by checking your National Insurance Record for gaps.
If you’re eligible, you can claim either Class 1 or Class 3 type credits:
- Class 1: for postings on or after 6 April 2019 – these credits count towards your State Pension and could help you qualify for other benefits like ‘new-style’ Jobseeker’s Allowance and Employment Support Allowance
- Class 3: for postings on or after 6 April 1975 – these credits count towards your State Pension only
You’ll need to claim these credits before you hit state pension age, which is currently 65.
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