Experts have issued a "final warning" to anyone aged under 73 to carry out a crucial check as millions reportedly risk losing out on a full . Many people do not know they have gaps in their (NI) record, which could reduce the amount of cash they receive from when they retire. Spencer Churchill Claims Advice has warned that by the time many people realise they are missing qualifying years, it may be too late to buy them back.

"For many people, topping up missing National Insurance years could be one of the best financial decisions they make," a spokesperson for the firm said.

"A full State Pension could mean thousands of pounds more in retirement income, yet millions are at risk of receiving less than they should simply because they haven't checked their NI record in time. We urge everyone to take action before the April 5 deadline to see if they can boost their entitlement."

The firm has outlined the following steps to go through for you to see if you have gaps in your NI contributions:

added: "Due to high demand, the Government has launched an online call-back request form, ensuring that anyone who submits a request before April 5 will still be able to pay their voluntary NI contributions after the deadline has passed."

The firm then issued a "final warning".

"Pension experts at Spencer Churchill Claims Advice stress that while paying voluntary NI contributions can be an excellent investment," the firm said.

"It's important to get the right advice before making payments, as some top-ups may not increase pension entitlement.

"Checking your NI record today could make a significant difference to your retirement income. But before making voluntary contributions, it's essential to understand whether topping up certain years will actually boost your State Pension - otherwise, you may be paying for little or no benefit."

With only weeks left before the April 5 deadline, people are urged to take action now and secure their full State Pension entitlement before it's too late.