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Thousands of Brits could be missing out on "billions" in National Insurance credits, it has been revealed.
According to a new research, pension consultants LCP have said some people could lose £5,000 in pension money.
The groups that tend to do this are carers not on carers allowance and couples where the higher earner is also claiming child benefits.
It also includes couples who started a family since 2013 when the "high income child benefit charge" was introduced.
LCP has created a guide to help people understand what they can receive.
And it outlines credits that are available, as well as how people end up missing out on money.
The guide shows people aren't claiming benefits despite taking a break from work because of a child or caring for someone.
Brits need 35 years of National Insurance contributions or credits to secure a full state pension.
Only certain people are entitled to claim National Insurance credits.
It includes the following:
- You're on Jobseeker's Allowance and not in education or working 16 hours or more a week or you're unemployed and looking for work, but not on Jobseeker's Allowance
- You're ill, disabled or on sick pay
- You're on maternity, paternity or adoption pay
- You're a parent who has registered for child benefit for a kid under 12, you want to transfer credits from a spouse or you're a foster carer
- You're a carer on carer's allowance, on Income Support and providing regular and substantial care or you're caring for one or more sick or disabled person for at least 20 hours a week
- You're a family member over 16 but under State Pension age and you're caring for a child under 12
- You're on working tax credit or universal credit
- You're on a training course or jury service
- Your partner is in the armed forces
- You've been wrongly imprisoned
Brits can check if they've missed any payments by creating a free government gateway account.
Some credits you will receive automatically if you're on certain benefits, but others you'll have to create an account and track it.
You will need to apply online or contact your local Job Centre to receive credits if you have missed any.
For more information,visit gov.uk.
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