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Why would you get less State Pension? Understanding the key reasons for a reduced payment

According to the Department for Work and Pensions (DWP), millions of people do not receive the full UK State Pension because they have not built up enough qualifying years of National Insurance contributions. This shortfall can significantly impact retirement finances, leaving many to wonder, **Why would you get less State Pension?** This guide explains the primary factors that cause a reduced payment and how you can address them.