If you have given up work to care for someone, your pension may not be your first concern. However, if your working life is interrupted because your paid job ends it can have a devastating impact on your pension longer term.

Many people are shocked to find out that not everybody automatically qualifies for a full basic State Pension on reaching retirement age. The amount of state pension you get usually depends on how many qualifying years of National insurance you have built up. If you miss paying these because you have taken time out of paid work, then you may lose out.

The good news is that if your employment ends because you are caring for someone who is disabled, ill or frail then the state will credit your contributions for you. However, this isn’t automatic and only happens if you claim the right benefits and take the right action.

For further information