35 years full N.I. Contributions. Forecast states not enough for full pension????

I am due to retire in July 2026. I have an unbroken N.I. record from 1976 - 2006 (30years) then a gap until 2014 and then I paid voluntary Contributions for an additional 5 years from 2014 - 2019 equaling 35 years in total. However, my online pension forecast states that I have 12 gaps in my N.I. record and that ' you may be able to fill to increase your state pension'. This I do not understand. As far as I'm concerned I have paid enough contributions to entitle me to a full State Pension. Please advise. Thank you.

Not HMRC...if any of your record from 79 to 2000 was contracted out (employer pensions often contracted out so people paid lower amounts of NI as a result of contributions to company pension) they will not count as full years for the full amount of pension...you need to speak NI

Sorry...meant from '76 to '06, not '70 to '00 (no idea why I changed the years, getting old) but principle remains the same...you need to check with NI if any of those years were at contracted out rates, which may account for reduced amounts paid affecting the amount payable...if not then its something else...

Hi,
If you have a full entitlement to a UK State Pension then you do not need to pay any further voluntary National Insurance contributions for pension purposes.  
If you do not have a full entitlement then you may wish to pay some voluntary contributions. Your State Pension Forecast will show you this.
Thank you.