missing gaps in NI

Hello - I'm trying to find out:- 1. if I need to pay for missed years in NI? 2. How do I pay for them? 3. How much do I need to pay? Thanks.

Hi,

Most people need a minimum of 35 qualifying years on their National Insurance record to entitle them to a full State Pension, but depending on individual circumstances, some may need more, especially if they have been part of a contracted out pension scheme. HMRC are unable to confirm how many years are needed, you should be able to see this information in your personal tax account (PTA) or you can check with the Future Pension Centre.  
Personal tax account: sign in or set up
Contact the Future Pension Centre
If you speak to the Future Pension Centre and ascertain that you would benefit from paying extra years voluntarily, they will transfer you to an advisor in HMRC who will explain how to make the payment.
If, after checking your PTA, you decide you wish to pay additional years, you can contact our National Insurance team and the adviser will explain how to pay, however the adviser cannot advise whether or not it would be beneficial to pay, or which years should be paid.

Thank you.