{"id":61334,"date":"2025-04-29T22:33:05","date_gmt":"2025-04-29T22:33:05","guid":{"rendered":"https:\/\/www.europesays.com\/uk\/61334\/"},"modified":"2025-04-29T22:33:05","modified_gmt":"2025-04-29T22:33:05","slug":"state-pension-the-number-of-years-of-contribution-you-need-to-get-payments-in-full-personal-finance-finance","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/uk\/61334\/","title":{"rendered":"State pension: The number of years of contribution you need to get payments in full | Personal Finance | Finance"},"content":{"rendered":"

The state pension<\/a> is a weekly payment made to people over state retirement age (SRA) by the Department for Work and Pensions (DWP<\/a>). It is paid to around 13 million Brits a year and is available at age 66 for both men and women who have paid at least 10 years’ worth of National Insurance (NI) contributions. <\/a><\/p>\n

However, many people approaching retirement<\/a> age may not be aware that to receive the full new state pension<\/a> payment of \u00a3230.25 each week, they will need around 35 years’ worth of NI contributions. If you have been \u2018contracted out\u2019 of the state pension<\/a> you may need more NI contributions to qualify for the full amount. Brits are also being warned of an increase to the state pension<\/a> age, which is set to rise to 67 between 2026 and 2028, with a further planned rise to 68 by the mid-2040s.<\/p>\n

You will need at least 10 qualifying years on your National Insurance record to qualify for any state pension<\/a>, although they do not have to be 10 qualifying years in a row.<\/p>\n

If you have lived or worked abroad, you might still be able to get some form of state pension<\/a>.<\/p>\n

You might also qualify if you have paid married women\u2019s or widows\u2019 reduced rate contributions – find out more about this via GOV.UK.<\/a><\/p>\n

If you get the full state pension<\/a> you will be getting the maximum amount of state pension<\/a> a person can receive.<\/p>\n

To get this, you will need around 35 qualifying years. If you have between 10 and 35 years, then you will get a portion of the state pension<\/a> unless you buy additional NI years.<\/p>\n

When you are working you pay National Insurance and get a qualifying year if:<\/strong><\/p>\n