How do children affect a State Pension forecast for a couple and do we need to check both our records?

28 Oct 2026, 22:50
Q A Reader Asker

How do children affect a State Pension forecast for a couple and do we need to check both our records?

A ClaimGuide Team Answered by

A State Pension forecast is individual, so each partner should check their own National Insurance record and forecast. Caring for children can help one parent build qualifying years through National Insurance credits linked to Child Benefit, usually where the child is under 12; this may apply even if the Child Benefit payment is opted out of. Only one person can normally receive the relevant credit for a child, although it may sometimes be transferred to a partner. Check both forecasts and National Insurance records on GOV.UK, and contact the Future Pension Centre if anything appears missing or unclear.

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