National Insurance: Grandparents 'missing out' on credits

Mothers who give up work are given NI credits while their children are under 12, to help them get a state pension. In the year to the end of September 2016, only about 1,300 people claimed the credits, according to a response to a Freedom of Information request. "The government needs to act quickly to alert mothers to the fact that they can sign over the National Insurance credits that they do not need." Any close relative can apply for the National Insurance credits, but it's most likely to be a grandparent, as long as they're under pension age. "As with all credits, details of the Specified Adult Childcare credits are well publicised on GOV.UK and are promoted through a number of consumer websites."

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