The State Pension Top-Up Scheme

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The State Pension Top-Up Scheme closed on 5 April 2017.

If you are not receiving a full Basic Pension, then paying voluntary NI Contributions (NICs) could help improve your entitlement.

Paying voluntary National Insurance Contributions (NICs) can bring up the number of qualifying years, leading to a higher pension. The State Pension Top-Up Scheme is open until 5 April 2017 for all pensioners who reached State Pension age before the new State Pension was introduced on 6 April 2016. Voluntary Class 3A contributions gives pensioners an option to top up their pension by up to £25 a week in a way that protects them from inflation and offers protection to surviving spouses. You must be entitled to the basic State Pension or additional State Pension before 6 April 2016. You are:

  • a man born before 6 April 1951
  • a woman born before 6 April 1953

Voluntary Class 3A contributions gives pensioners an option to top up their pension by up to £25 a week.  You must pay a lump sum to HMRC to avail of this increase.  The lump sum varies according to you age and how much you wish to add to your pension.