New figures reveal that nearly a quarter of individuals who started claiming the new state pension in the 2024/25 tax year did not receive the full amount. Of the 776,330 new claimants in that financial year, 76% (591,530) were entitled to the maximum weekly rate of £221.20, suggesting around 24% (184,800) qualified for less.
Further data for the 2025/26 year indicates a similar trend. Between April and November 2025, 71% (349,490) of 489,730 new state pension claimants received the full weekly rate of £230.25, meaning approximately 29% (140,240) did not.
Reasons for not receiving the full state pension can include gaps in National Insurance (NI) records due to not working, not earning enough, or having been 'contracted out' of the state pension system before 2016. The full new state pension for 2026/27 is £241.30 a week, requiring 35 qualifying years, while a minimum of 10 qualifying years is needed for the minimum amount of £68.90 a week.
Individuals may be able to increase their state pension by claiming free Specific Adult Childcare Credits or by buying Class 3 National Insurance contributions. Class 3 contributions for the 2026/27 tax year cost £18.40 a week, or £956.80 a year. It is possible to backdate filling gaps in NI records by six tax years, with the deadline being 5 April each year.
However, topping up a state pension is not always advisable. A higher pension could affect eligibility for benefits, and those with a short life expectancy may not see significant value. It is recommended to contact the Pension Service or a financial advisor for personalised guidance.