Eligibility Criteria
To be eligible for voluntary National Insurance contributions, you must meet certain criteria. Here's what you need to know:
UK Connection
You must be a UK national or have previously lived and worked in the UK with a National Insurance number.
Age Requirements
You must be aged 16 or over and under State Pension age when making voluntary contributions.
Contribution Gaps
You have gaps in your National Insurance record that can be filled with voluntary contributions.
Timing Limits
You can usually pay for the previous 6 financial years.
Who Can We Help?
We CAN Help If:
- You're a UK citizen living abroad or previously worked & lived in the UK for 3+ years
- You have a UK National Insurance number
- You're under State Pension age
- You have gaps in your NI record
We CAN'T Help If:
- You're already at State Pension age
- You have no previous UK NI record
- You have a full 35-year NI record
- The time limit for paying has passed
Types of Voluntary Contributions
Class 2 Contributions
Currently £3.50 per week (2025/26 rates).
- Usually possible for individuals who worked in the UK before moving to another EU country and continued working there.
Class 3 Contributions
Currently £17.75 per week (2025/26 rates).
- For those who don’t qualify for Class 2 contributions but can still gain valuable benefits toward their UK State Pension.
How We Assess Your Eligibility
Initial Review
We review your basic information and circumstances
NI Record Check
We help you obtain your full National Insurance record so we can analyse it
Gap Analysis
We identify years that can be filled with voluntary contributions
Cost/Benefit
We calculate the costs and potential pension increase
Ready to Check Your Eligibility?
Get in touch and we'll review your circumstances to provide a detailed assessment of your eligibility for voluntary National Insurance contributions.
100% refundable if HMRC won't allow voluntary contributions