08/10/2026
Here's what that small, easy-to-miss decision actually costs you:
Class 2 NICs are what keep your State Pension contributions ticking. Miss enough qualifying years and you won't just get a smaller pension, you could lose access to certain contributory benefits and, critically, were locked out of SEISS grants during COVID if your record wasn't clean.
Most freelancers set up, start invoicing, and assume the admin sorts itself. It doesn't. The gaps pile up quietly, and by the time you notice, some are impossible to fill.
This is exactly the kind of small, early mistake we catch at TT Accountancy. We’re London-based, specialists in self-employed and small business tax, and we’ll audit your NIC record, flag the gaps, and tell you exactly where you stand, before the damage is done.
Sort your NIC record with TT Accountancy today, before a quiet gap turns into a permanent loss.
Call Thomas on +44 744 630 1591 or via email: [email protected] or visit our website: www.ttaccountancy.com