State Pensions
State Pension


(Please note – this is for information only and does not constitute advice. This is a potentially complex area and for further information or to obtain a State Pension statement please visit the government website at

About the state pension
A State Pension is a regular payment made by the government to people who have paid or been credited with a minimum amount of Class 1, 2 or 3 National Insurance Contributions and have reached State Pension age.
State Pension age

Currently, the State Pension age for men is 65 and it is gradually increasing for women. The State Pension age for women will increase to 65 by November 2018. By October 2020, the State Pension age for men and women will be 66, increasing to age 67 between 2026 and 2028.

The State Pension is paid whether the claimant is working or not and is paid regardless of any income and/or existing savings or capital the claimant may have.

Claiming State Pension

The State Pension must be claimed — it is not paid automatically. The claim can be made online, by calling 0800 731 78098 or by downloading a form and sending it to a pension centre. N.B. Different arrangements apply in Northern Ireland.

Payment frequency
The State Pension is usually paid every 4 weeks, in arrears, directly into the claimant’s bank or building society account.
Working beyond State Pension age
The State Pension can be claimed even if the individual chooses to work beyond State Pension age.
The State Pension may be taxable
The State Pension is considered part of the recipient’s earnings and may be subject to income tax.
Postponing the State Pension
It is not compulsory to claim the basic State Pension at State Pension age — it can be deferred until the claimant chooses to receive it. In return for ‘postponing’ his or her claim (and providing the claimant lives in the EU, European Economic Area, Gibraltar, Switzerland or any country the UK has a social security agreement with) the pension payment will increase by 1% for every 9 weeks it is deferred.
Claiming the State Pension while overseas
Although the State Pension can be claimed while living outside of the UK, it will only be increased each year if the claimant lives in the EEA, Switzerland or in a country which has a social security agreement with the UK.
  • The income you can obtain will depend on the annuity rates that are in force when you decide to take your pension benefits and it is not possible to predict what they will be or whether they are higher or lower than current rates.
  • Payments cease on death (unless you purchase an annuity which continues to pay income after you have passed away)
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