LizzieDrip
^As those people who have never worked but were eligible for the full sp can claim pension credits^
I’m a bit confused here. How can someone who has never worked qualify for the full state pension?
The amount of SP you get is based on your number of qualifying years of National Insurance contributions. If someone has never worked, surely they won’t have paid NI.
I’ve paid 41 years of NI contributions but because, as a public sector employee, I was contracted out for most of those years, I still don’t get the full state pension.
I just don’t see that someone who’s never worked will qualify for it.
When you sign on as unemployed, you are credited with NICs, so theoretically somebody who has never worked could have a full contributions record.


