Should you top up your national insurance to boost your state pension? Reforms to state pensions mean anyone retiring after 5 April 2016 must have at least ten years' national insurance contributions to claim one, while you need 35 years to get the full amount of £8,767 a year.
However, if your national insurance record falls short, you can make voluntary top-up contributions, typically for up to six years after periods in which you didn't pay in full.
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