Child benefit claimants will get National Insurance credits while they’re receiving the benefit. This will continue until the youngest child in the family turns 12.
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The credits will be automatically added to a National Insurance account when Child Benefit is claimed.
Claimants will not need to take any action to get the ball rolling.
To claim Child Benefit, a CH2 claim form will need to be completed and sent to the Child Benefit office.
The government encourages parents to apply for Child Benefit even if they don’t need the payments due to these National Insurance boosts.
National Insurance contributions are needed to receive state pension, with 10 years as a minimum needed to get any amount.
The full amount will require at least 35 years of contributions.
So long as 35 years of contributions are collated and the person meets all eligibility criteria, they’ll get £175.20 per week from their state pension.
It can be difficult for some people to reach the 35 year limit but in some instances, a person claiming Child Benefit within the household may be able to help with this.
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Child Benefit claimants with excess National Insurance credits will be able to transfer them to a partner so long as they aren’t working, are on a low income and are not paying their own contributions.
Transfer claims of this nature can be made on a yearly basis after the end of each tax year.
There is a specific government form (CF411A) that will need to be completed to do this.
It is also possible to transfer National Insurance credits to someone else within the family.
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People may transfer National Insurance credits to a:
- Grandparent or
- Other direct family member
Transfers of this nature can occur if the person being transferred to takes care of the child in question for at least 20 hours a week.
Child Benefit payments themselves can be quite generous, potentially providing thousands of pounds a year in some instances.
People claiming for a single child will receive £21.05 per week.
Additional children will bring in an additional £13.95.
Originally, Child Benefit could be claimed from as soon as the child’s birth was registered but this has changed in recent months due to coronavirus.
It can now be applied for even if the claimant has not registered the birth as coronavirus has forced all General Register Offices to close.
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