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Your National Insurance record and your Manx State Pension

Your Manx State Pension is based on your National Insurance record in the Isle of Man when you reach State Pension age.

You'll usually need to have at least 10 qualifying years on your National Insurance record to get any Manx State Pension.

You'll need 35 qualifying years of National Insurance contributions in the Isle of Man to get the full amount of the Manx State Pension.

You may get less than the full amount of the Manx State Pension (£222.67 a week from 10 April 2023) if you were contracted out before 6 April 2019.

You may get more than the full amount of the Manx State Pension if you would have had over a certain amount of Additional State Pension under the old State Retirement Pension rules.

Qualifying years if you're working

When you're working you pay National Insurance contributions and get a 'qualifying year' if:

  • you're employed and earning £145 a week or more from one employer; or
  • you're self-employed and paying National Insurance contributions.

You might not pay National Insurance contributions because you're earning less than £145 a week. But you may still get a qualifying year if you earn between £123 and £145 a week from one employer.

The above amounts relate to the 2023/24 tax year. The amounts for earlier years were less than these. The amounts for future years are likely to be more.

Qualifying years if you're not working

You may get National Insurance credits if you can’t work - for example, because of illness or disability, or if you're a carer or you're unemployed.

For example, you can get National Insurance credits if you get:

You're not working or eligible for National Insurance credits

You may be able to pay voluntary National Insurance contributions if you're not in one of the above groups but you want to increase your Manx State Pension amount.

Gaps in your National Insurance record

You can have gaps in your National Insurance Record but still get the full amount of the Manx State Pension.

You can get a State Pension statement that can tell you how much new State Pension you may get. To get a statement of how much IOM State Pension you could get please print the BR19 application form and once completed send to the Income Tax Division, Government Office, Douglas Isle of Man, IM1 3TX. The form can be found at the Income Tax Division's Forms page under the National Insurance drop-down menu.

If you have gaps in your National Insurance record that would prevent you from getting the full amount of the Manx State Pension, you may be able to:

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