State pension: Payments could be impacted by your National Insurance record | Personal Finance | Finance

Some people might not be able to work for a myriad of reasons, for example, as a result of illness or a disability, if they are unemployed, or if they are caring for another person.

This is where National Insurance credits come in to play, and they will be available in a number of different circumstances.

Child Benefit, Jobseeker’s Allowance, Carer’s Allowance and Employment & Support Allowance, for example, can all offer the opportunity for Britons to build up National Insurance credits.

If none of these circumstances apply, then there is also room for individuals to act to boost their National Insurance record.