Child Benefit: How filling in this form could protect your state pension for 12 years

Child Benefit is a payment which a person can get if they’re responsible for bringing up a child who is under the age of 16, or under 20 if they stay in approved education or training. Only one person is able to get the payment for a child.


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The payment is made every four weeks, and there is no limit as to how many children a person can claim for.

That said, there are two different Child Benefit rates, and these depend on who the allowance is for.

At the time of writing, the weekly rate is £20.70 per week for an eldest or only child.

If the allowance is for any other additional children, the weekly rate is £13.70 per child.

By claiming Child Benefit, the individual can get National Insurance credits which count towards their state pension.

Additionally, the child will automatically get a National Insurance number when they’re 16 years old.

Some people may opt not to get the payments, however the government website states that a person “should still fill in and send off the claim form”.

It may be that a person needs to pay back some of their Child Benefit in tax, and this is if the individual or their partner’s individual income is more than £50,000.

If your child is under 12 and you’re not working or do not earn enough to pay National Insurance contributions, Child Benefit can give you National Insurance credits.

This is known as the High Income Child Benefit Tax Charge.

Should a person decide to opt out of getting Child Benefit, the government website explains that they should still fill in the Child Benefit claim form, as this will help them to get National Insurance credits which count towards the state pension. explains: “If your child is under 12 and you’re not working or do not earn enough to pay National Insurance contributions, Child Benefit can give you National Insurance credits.

“These credits count towards your State Pension, so you do not have gaps in your National Insurance record.”


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On the CH2 form, which can be completed to claim Child Benefit for up to two children, there is an option for higher income earners to opt against Child Benefit, but state they still “want to protect my State Pension”.

Child Benefit: Who should claim?

As only one person can get Child Benefit for a child, it may be that a person will face the decision of whether it’s better for a particular parent to claim the payment, says

The website goes on to detail how the person who claims will get National Insurance credits towards their state pension if they are not working or earn less than £166 per week.

The state pension can be claimed once a person reaches state pension age.

The amount a person can get via the state pension depends on their National Insurance record.

Last year, the Department for Work and Pensions (DWP) explained that usually people receiving less than the full rate may be doing so because they were previously in an occupational pension scheme, so will be receiving those benefits in addition to the state pension.

It’s possible to check how much state pension they could get online, via the “Check your State Pension” service.

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