Voluntary National Insurance contributions - the basics

Sometimes you don't have to pay National Insurance contributions. This might be because you're not working or you don't earn enough. But you may be able to pay voluntary contributions so that you can still claim certain state benefits, including the basic State Pension.

On this page:

What are voluntary contributions?

If your work or personal situation means that you don't currently have to pay National Insurance contributions, or you are not entitled to receive National Insurance credits, you may still be able to pay voluntary contributions to fill in any gaps in your National Insurance record. Voluntary contributions count towards some state benefits and can also increase the amount of benefit you'll get.

The National Insurance contributions you can pay voluntarily are normally Class 3 contributions, but if you're self-employed or living abroad you may be able to pay Class 2 contributions voluntarily instead.

National Insurance - the basics

Top

When you might pay voluntary contributions

You might choose to pay National Insurance contributions voluntarily if you're:

  • unemployed and not claiming benefits
  • employed but you don't earn enough to pay National Insurance contributions and you don't get National Insurance credits
  • self-employed and you have a 'Small Earnings Exception certificate' that means that you don't have to pay Class 2 National Insurance contributions - follow the second link below
  • a married woman or widow who cancels her 'reduced rate election' part way through a tax year - follow the third link below
  • living abroad

National Insurance credits

Self-employed tax and National Insurance

Married women, widows and reduced National Insurance

Top

If you have a State Pension Statement and want to pay Voluntary National Insurance contributions

Before deciding to pay Voluntary National Insurance contributions, you should make sure that:

  • there are gaps in your National Insurance record for which payment can be made - see the section below on when you can't pay Class 3 voluntary contributions
  • you know how much you need to pay
  • you understand the benefits of paying

If you are unsure about any of the above, you should telephone the DWP Future Pension Centre on +44 191 218 3600 (Textphone +44 191 218 2051).

Please note :- DWP Future Pension Centre can provide State Pension Statements based only on current State Pension law. They can not provide State Pension Statements that give estimates which include proposed changes to the State Pension system.

Find out more about Proposals to change State Pensions (Opens new window)

If, after considering the above you want to pay Voluntary National Insurance contributions - follow the link below.

How to pay voluntary Class 3 National Insurance

Top

When you can't pay Class 3 voluntary contributions

There are some circumstances when you won't be able to pay Class 3 voluntary contributions. The most usual ones are if:

  • you're a married woman - or a widow - and you chose to pay reduced rate National Insurance contributions for the whole tax year for which you want to pay Class 3 voluntary contributions
  • you reached State Pension age in the tax year for which you want to pay Class 3 voluntary contributions
  • you're entitled to National Insurance credits (but there are a couple of exceptions to this)

Paying reduced National Insurance contributions

National Insurance credits - learn more

Top

How much do voluntary contributions cost?

If you want to pay voluntary National Insurance contributions for the 2014 to 2015 tax year you'll have to pay:

  • £13.90 a week for Class 3 voluntary contributions
  • £2.75 a week for Class 2 contributions

If you're self-employed there are some circumstances when you won't be able to pay Class 2 contributions voluntarily - see the section below on voluntary contributions if you're self-employed.

Check the National Insurance rates

Top

Voluntary contributions choices if you're self-employed

If you're self-employed you can choose to pay Class 2 voluntary National Insurance contributions even if you don't have to pay them. It's normally better to pay Class 2 contributions voluntarily than to pay Class 3 voluntary contributions. It will cost you less and you'll get a wider range of state benefits.

You might choose to pay Class 2 contributions voluntarily when your earnings are low or because you work outside the UK. But there are some conditions you'll have to meet for paying Class 2 contributions voluntarily if you're working outside the UK. To find out more, follow the link under the next section 'Paying voluntary contributions for periods spent abroad'.

You can find out more about how the type of contributions you pay affects the benefits you can get in our guide on National Insurance and state benefits.

National Insurance and state benefits

Top

Paying voluntary contributions for periods spent abroad

You may be able to pay voluntary National Insurance contributions if you're living abroad. And you may be able to pay them for a past period when you were abroad. There are special rules for paying voluntary National Insurance contributions for periods when you're abroad. You can check the rules by following the link below.

Voluntary National Insurance contributions if you live abroad

Top

Do you need to top up your contributions?

If you've got gaps in your National Insurance contributions record, your entitlement to the basic State Pension and certain bereavement benefits could be affected. You may want to consider filling in the gaps by paying voluntary National Insurance contributions.

But it isn't always right or beneficial for you to pay voluntary contributions. It depends on several things, including how much you've contributed already and the date you reach State Pension age.

You should also consider the Government's proposals for simplifying the future State Pension. These proposals will not affect anyone reaching State Pension age before the reforms are introduced.

You can find more information to help you decide if it's worth paying voluntary contributions by following the links below.

Do you need to top up your National Insurance contributions?

Find out more about Proposals to change State Pensions (Opens new window)

Top

More useful links

When and how to pay voluntary National Insurance contributions

National Insurance - the basics

Tax and National Insurance for the employed

Tax and National Insurance for the self-employed

Top