Credits required for state pension

[NotADailyMailJournalist]

Hello all

Apparently you need 35 years' credits to get the full state pension.

I'm nearly 41. I have 3 years' credits from staying on at school after 16.

And then I have worked full time all year every year since.

So I only have 12 more years credits required, according to my Nat Ins record.

So although I won't RECEIVE the state pension until late 60s/70, I only have to work to early/mid 50s to get enough credits for it.

Is that right?!

People talk a lot about the state pension being means tested or the age being raised.

But there's no talk of increasing the number of years credits you need?

Thanks for any thoughts!

Irrelevant nit-picking, but the pension scheme is specific to and controlled by my previous employer. My original post was just to provide information and point out that many of my peers think they have a full NI record but don’t.

Not irrelevant at all, it is the heart of the matter. You can have a full national insurance record and still have a reduced pension due due the COPE figure which was used to calculate your pension when we moved from the pre 2016 system to the current one. If your starting figure in 2016 was less than the full pension then you will have increased it every year since until you reach pension age or the new maximum of £221 a week.