Financial journalist Martin Lewis has issued a 'call to arms' to anyone aged between 45 to 70 who are expecting to receive a state pension.
The money saving expert said more cash could land in their bank account if they check how many National Insurance years they have.
Speaking on his latest episode of Martin Lewis Money Show Live, which celebrated 10 years of the show, he explained that traditionally, people will pay National Insurance for at least 35 years to end up with the full state pension. However, some people will have a shortfall, he warns, due to not paying the full amount if they are on a low income or moved abroad at some point.
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The financial expert does offer hope and says there is a way to fix this shortfall - but you must act fast.
As Hull Live reports, Martin said: "If you're aged 45 to 70 you need to check ASAP if you can boost your state pension. The state pension that you get is based on the number of National Insurance years you have. To get the full state pension you need 35 years ish.
"And some people are missing years so they won't get the full state pension, for example years abroad, or you had a low income. I want you to check your National Insurance years at gov.uk."
Anyone with a year shortfall can 'buy more' back to 2006, he explained, but people need to act fast as it must be done by the end of the year -or lose it.
He added: "The younger you are the more time you have to plug gaps. It's worth having a look if you're that age."
Martin went on to explain that a voluntary year costs around £800. But it adds £275 a year on, meaning if you live three years beyond the pension age you would make extra money. For example, if a typical male who is expected to live 19 more years, would get £5,300 more.
He does however admit this is complicated and anyone should contact the Government before paying out.
Anyone who still has National Insurance gaps after April 5, 2023, will only be able to pay voluntary contributions for the last six years. To see if you qualify, visit here.
The Martin Lewis Money Show Live airs at 8pm on Tuesdays on ITV. Missed an episode? Catch up on ITV Hub.
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