If you are under 20 (25 if you have been in education or training)
you may be able to get IB even if you have not paid NI contributions.
If you have recently come from abroad, or returned from abroad, there are some extra rules. You may be treated as having paid the necessary National Insurance contributions to get IB if you have:
Been working abroad for an employer based in the United Kingdom and paid NI contributions for the first 52 weeks of that employment, or
Paid enough UK NI contributions and the equivalent of NI contributions in certain other countries.
If you became sick before reaching pension age, you may be able to get IB after pension age. It can be paid at the Retirement Pension rate for up to one year of sickness.
If you get the long-term rate of IB you may qualify for extra money depending on your age when you became sick. You may get Incapacity Age Addition if you get long-term IB and were aged under 45 on the day you became unable to work. This includes days you got Statutory Sick Pay.
If you have a personal pension For new claims, half of your occupational or personal pension(s) above £85 is to be deducted from your incapacity benefit. For example, if you have a weekly occupational pension of £95 then your incapacity benefit will be reduced by £5 a week.