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National Insurance explained

  • How National Insurance works and why rates vary
  • National Insurance and your pension entitlement
  • Making voluntary National Insurance contributions

What's in this guide

What is National Insurance? Video guide

In this short video, we explain what National Insurance is, who has to pay and what paying it entitles you to. Contains video

National Insurance rates

The National Insurance rate you pay depends on your employment status. We explain how National Insurance classes differ - and who is in each one.

National Insurance credits

We explain how National Insurance credits help you qualify for state pension and other benefits when you don't make National Insurance contributions.

National Insurance contributions

National Insurance contributions are a tax on earnings. Find out how they work and what you'll be entitled by paying National Insurance.

National Insurance and benefits

Making National Insurance contributions entitles you to certain benefits. Find out which ones these are and when your contributions are relevant.

National Insurance and state pension

Will you receive a full state pension? Find out how your National Insurance contribution record affects your pension entitlement.

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