In order to qualify for the full single tier state pension you need 35 full qualifying years of National Insurance contributions.
If you are registered for child benefit for a child under 12 then you automatically received Class 3 credits, which count towards your state pension.
But since the introduction of the High Income Child Benefit Charge (HIBC), which claws back payments,if a parent earns more than £50K, many such parents have chosen not to register.
This may prove to be an expensive decision, potentially losing 12 qualifying years of NI credits for any-stay-at-home parent- just over a third of the years needed for a full state pension.
But in two simple on-line steps, you can safeguard those NI credits:
Step 1 Claim the benefit on form CH2 https://bit.ly/2Wz3EU1
Step 2 Opt to stop receiving Child Benefit https://bit.ly/2MK1SLl
More details can be found GOV .UK https://bit.ly/1QoR8vE
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