Do I need to pay the gaps in my national insurance contribution record

I have 41 years full paid contributions however my pension forecast states “to get the full state pension I should pay another 4 years”. Pension date is Dec 2030. I don’t understand because I thought 35 years was fully paid up. I do have 3 incomplete years that I can pay up but would it be worth doing it or would I just be throwing money away because it will make no difference to the pension payments? I currently receive 2 small pensions and am now a tax payer.

Hi,
If you apply for a State Pension Forecast via Check your State Pension forecast, it will provide you with details of your current and future entitlement to a
State Pension Forecast and you can then decide whether you wish to pay any shortfalls of voluntary National Insurance contributions.
Thank you.

Hi Thanks for your response but it doesn’t answer my question. I’ve already seen the forcast that you mention, that is how I know it says to pay another 4 year contributions. Will my pension definitely be reduced if I don’t pay the 4 years?

Hi,
Your State Pension Forecast should advise you of your current entitlement to a UK State Pension.  
If you don’t have a full entitlement then it should detail how many more tax years that you will need to get the full entitlement.  
If you wish to discuss your State Pension entitlement then you may wish to call Future Pension Centre Helpline on 0800 7310175 (from the UK)
or +44 191 2183600 (from overseas) and they will be able to help you.
Thank you.