If you worked 3 or more years in the UK
You may be able to claim a UK State Pension when you retire, which could boost your retirement income significantly. You’ll need to have paid a certain amount of National Insurance Contributions (NICs) in the UK to qualify, however if you don’t currently qualify, we might be able to help you so that you do.
Full UK State Pension
You need 35 years’ of National Insurance contributions to get the full UK State Pension when you retire – that’s AU$ 470.30 per week, AU$ 24,455.81 per year and a total of AU$ 489,116.21 over a 20 year retirement.*
Partial UK State Pension
You need 10 years’ of National Insurance contributions to get a reduced-rate state pension when you retire – that’s AU$ 134.38 per week, AU$ 6,987.67 per year and a total of AU$ 139,757.41 over a 20 year retirement.*
*The AU$ figures stated above are based on the 2025/26 UK State Pension amount and are converted from GBP using an exchange rate of $2.042
UK Government State Pension review
The UK State Pension system is currently undergoing a government review, with ongoing discussions about eligibility, qualifying years, and contribution rules.
Securing your entitlement now ensures you’re in the strongest possible position for retirement. It’s never too early to take control of your National Insurance record and make sure you’re on track to receive the full amount you deserve.
Claiming a UK State Pension from outside the UK.
If you’re resident outside of the UK, you can benefit from significantly reduced costs to make voluntary National Insurance contributions to top up any missing years, which may help you to qualify for a UK State Pension in your retirement. For UK residents, the cost of filling a gap year is £923, but this can be as low as £182 for those living overseas.
We’re here to guide you through this process.
Act fast. April 2026 deadline.
HM Revenue & Customs requires applications to be received no later than 5 April each year in order to be able to fill gap years in your National Insurance record going back 6 years, which could make all the difference when it comes to claiming your UK State Pension.
Expert help from UKStatePension.com.au
We provide specialised information and guidance on the process of filling gap years in your National Insurance contributions, which could enable you to claim a UK State Pension in your retirement – even if you live overseas. Get started today by checking your eligibility below.