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635-3
a woman born on or after 6 April 1953
635
The new State Pension
3
105
142
635-4
The earliest you can get the new State Pension is when you reach State Pension age.
635
The new State Pension
4
143
226
635-5
If you reached State Pension age before 6 April 2016, you’ll get the State Pension under the old rules instead.
635
The new State Pension
5
227
338
635-6
This guide is also available in Welsh (Cymraeg).
635
The new State Pension
6
339
387
635-7
Your National Insurance record
635
The new State Pension
7
388
418
635-8
You’ll usually need at least 10 qualifying years on your National Insurance record to get any State Pension. They do not have to be 10 qualifying years in a row.
635
The new State Pension
8
419
580
635-9
This means for 10 years at least one or more of the following applied to you:
635
The new State Pension
9
581
658
635-10
you were working and paid National Insurance contributions
635
The new State Pension
10
659
717
635-11
you were getting National Insurance credits for example if you were unemployed, ill or a parent or carer
635
The new State Pension
11
718
822
635-12
you were paying voluntary National Insurance contributions
635
The new State Pension
12
823
881
635-13
If you’ve lived or worked abroad you might still be able to get some new State Pension.
635
The new State Pension
13
882
969
635-14
You might also qualify if you’ve paid married women’s or widow’s reduced rate contributions.
635
The new State Pension
14
970
1,062
635-15
Working after State Pension age
635
The new State Pension
15
1,063
1,094
635-16
You do not have to stop working when you reach State Pension age but you’ll no longer have to pay National Insurance. You can also request flexible working arrangements.
635
The new State Pension
16
1,095
1,264
635-17
What you'll get
635
The new State Pension
17
1,265
1,280
635-18
The full new State Pension is £179.60 per week.
635
The new State Pension
18
1,281
1,328
635-19
The actual amount you get depends on your National Insurance record.
635
The new State Pension
19
1,329
1,397
635-20
The only reasons the amount can be higher are if:
635
The new State Pension
20
1,398
1,447
635-21
you have over a certain amount of Additional State Pension
635
The new State Pension
21
1,448
1,506
635-22
you defer (delay) taking your State Pension
635
The new State Pension
22
1,507
1,550
635-23
You can get a State Pension forecast to find out how much you could get and when.
635
The new State Pension
23
1,551
1,632
635-24
You can still get a State Pension if you have other income like a personal pension or a workplace pension.
635
The new State Pension
24
1,633
1,739
635-25
You might have to pay tax on your State Pension.
635
The new State Pension
25
1,740
1,788
635-26
If you’ve reached State Pension age and you’re on a low income, you may also qualify for Pension Credit, even if you’ve saved money for retirement.
635
The new State Pension
26
1,789
1,936
635-27
How it’s paid
635
The new State Pension
27
1,937
1,950
635-28
After you’ve made a claim you’ll get a letter about your payments.
635
The new State Pension
28
1,951
2,017
635-29
The new State Pension is usually paid every 4 weeks into an account of your choice. You’re paid in arrears (for the last 4 weeks, not the coming 4 weeks).
635
The new State Pension
29
2,018
2,172
635-30
There are different rules if you live abroad.
635
The new State Pension
30
2,173
2,218
635-31
Your first payment
635
The new State Pension
31
2,219
2,237
635-32
Your first payment will be within 5 weeks of reaching State Pension age. You’ll get a full payment every 4 weeks after that.
635
The new State Pension
32
2,238
2,362
635-33
You might get part of a payment before your first full payment. The letter will tell you what to expect.
635
The new State Pension
33
2,363
2,467
635-34
Your payment day
635
The new State Pension
34
2,468
2,484
635-35
The day your pension is paid depends on your National Insurance number.
635
The new State Pension
35
2,485
2,556
635-36
You might be paid earlier if your normal payment day is a bank holiday.
635
The new State Pension
36
2,557
2,628
635-37
Last 2 digits of your National Insurance number | Payment day of the week
635
The new State Pension
37
2,629
2,702
635-38
00 to 19 | Monday
635
The new State Pension
38
2,703
2,720
635-39
20 to 39 | Tuesday
635
The new State Pension
39
2,721
2,739
635-40
40 to 59 | Wednesday
635
The new State Pension
40
2,740
2,760
635-41
60 to 79 | Thursday
635
The new State Pension
41
2,761
2,780
635-42
80 to 99 | Friday
635
The new State Pension
42
2,781
2,798
635-43
How to claim
635
The new State Pension
43
2,799
2,811
635-44
You will not get your new State Pension automatically - you have to claim it. You should get a letter no later than 2 months before you reach State Pension age, telling you what to do.
635
The new State Pension
44
2,812
2,996
635-45
If you have not received an invitation letter, but you are within 4 months of reaching your State Pension age you can still make a claim.
635
The new State Pension
45
2,997
3,134
635-46
The quickest way to get your State Pension is to apply online.
635
The new State Pension
46
3,135
3,197
635-47
Apply now
635
The new State Pension
47
3,198
3,207
635-48
How to claim is different if you claim from Northern Ireland.
635
The new State Pension
48
3,208
3,269
635-49
Other ways to apply
635
The new State Pension
49
3,270
3,289
635-50
You can also:
635
The new State Pension
50
3,290
3,303
635-51
print off and post the State Pension claim form to the Pension Service
635
The new State Pension
51
3,304
3,374
635-52
phone the Pension Service to get a State Pension claim form posted to you
635
The new State Pension
52
3,375
3,448
635-53
Send your completed form to:
635
The new State Pension
53
3,449
3,477
635-54
There’s a different way to claim your pension from abroad, including the Channel Islands.
635
The new State Pension
54
3,478
3,567
635-55
If you want to keep working
635
The new State Pension
55
3,568
3,595
635-56
You can claim your new State Pension even if you carry on working. However, you have the option to defer which can increase the amount you get.
635
The new State Pension
56
3,596
3,739
635-57
Claiming an Isle of Man pension
635
The new State Pension
57
3,740
3,771
635-58
If you’re eligible for a state pension from the Isle of Man, you’ll need to claim it separately from your UK new State Pension.
635
The new State Pension
58
3,772
3,899
635-59
Find out if you’re eligible and how to claim your Isle of Man pension.
635
The new State Pension
59
3,900
3,970
635-60
You’ll get one payment for your UK pension and a separate payment for your Isle of Man pension.
635
The new State Pension
60
3,971
4,066
635-61
You cannot defer an Isle of Man pension after 6 April 2016.
635
The new State Pension
61
4,067
4,126
635-62
How it's calculated
635
The new State Pension
62
4,127
4,146
635-63
The full new State Pension is £179.60 per week. What you’ll receive is based on your National Insurance record.
635
The new State Pension
63
4,147
4,258
635-64
Valuing your National Insurance contributions and credits made before 6 April 2016
635
The new State Pension
64
4,259
4,341
635-65
Your National Insurance record before 6 April 2016 is used to calculate your ‘starting amount’. This is part of your new State Pension.
635
The new State Pension
65
4,342
4,477
635-66
Your starting amount will be the higher of either:
635
The new State Pension
66
4,478
4,528
635-67
the amount you would get under the old State Pension rules (which includes basic State Pension and Additional State Pension)
635
The new State Pension
67
4,529
4,653
635-68
the amount you would get if the new State Pension had been in place at the start of your working life
635
The new State Pension
68
4,654
4,755
635-69
Your starting amount will include a deduction if you were contracted out of the Additional State Pension. You may have been contracted out because you were in a certain type of workplace, personal or stakeholder pension.
635
The new State Pension
69
4,756
4,976
635-70
If your starting amount is less than the full new State Pension
635
The new State Pension
70
4,977
5,040
635-71
You can get more State Pension by adding more qualifying years to your National Insurance record after 5 April 2016. You can do this until you reach the full new State Pension amount or reach State Pension age - whichever is first.
635
The new State Pension
71
5,041
5,272
635-72
Each qualifying year on your National Insurance record after 5 April 2016 will add about £5.13 a week to your new State Pension. The exact amount you get is calculated by dividing £179.60 by 35 and then multiplying by the number of qualifying years after 5 April 2016.
635
The new State Pension
72
5,273
5,541
635-73
If your starting amount is more than the full new State Pension
635
The new State Pension
73
5,542
5,605
635-74
The part of your starting amount which is above the full new State Pension is called your ‘protected payment’. This is paid on top of the full new State Pension.
635
The new State Pension
74
5,606
5,767
635-75
Any qualifying years you have after 5 April 2016 will not add more to your State Pension.
635
The new State Pension
75
5,768
5,857
635-76
You did not make National Insurance contributions or get National Insurance credits before 6 April 2016
635
The new State Pension
76
5,858
5,961
635-77
Your State Pension will be calculated entirely under the new State Pension rules.
635
The new State Pension
77
5,962
6,043
635-78
You’ll usually need at least 10 qualifying years on your National Insurance record to get any State Pension.
635
The new State Pension
78
6,044
6,152
635-79
You’ll need 35 qualifying years to get the full new State Pension.
635
The new State Pension
79
6,153
6,219
635-80
You’ll get a proportion of the new State Pension if you have between 10 and 35 qualifying years.
635
The new State Pension
80
6,220
6,316
635-81
Your new State Pension is more likely to be calculated in this way if you were born after the year 2000 or became a resident of the UK after 2015.
635
The new State Pension
81
6,317
6,463
635-82
Annual increases
635
The new State Pension
82
6,464
6,480
635-83
The new State Pension increases each year by whichever is the highest:
635
The new State Pension
83
6,481
6,551
635-84
earnings – the average percentage growth in wages (in Great Britain)
635
The new State Pension
84
6,552
6,620
635-85
prices – the percentage growth in prices in the UK as measured by the Consumer Prices Index (CPI)
635
The new State Pension
85
6,621
6,718
635-86
2.5%
635
The new State Pension
86
6,719
6,723
635-87
If you have a protected payment, it increases each year in line with the CPI.
635
The new State Pension
87
6,724
6,801
635-88
Get a State Pension forecast
635
The new State Pension
88
6,802
6,830
635-89
You can get a State Pension forecast to find out how much new State Pension you may get.
635
The new State Pension
89
6,831
6,919
635-90
Further information
635
The new State Pension
90
6,920
6,939
635-91
You can read ‘Your new State Pension explained’ for more detailed information about the changes to the State Pension scheme.
635
The new State Pension
91
6,940
7,064
635-92
You've been in a workplace, personal or stakeholder pension
635
The new State Pension
92
7,065
7,124
635-93
Your starting amount may include a deduction if you were in certain:
635
The new State Pension
93
7,125
7,193
635-94
earnings-related pension schemes at work (such as a final salary or career average pension) before 6 April 2016
635
The new State Pension
94
7,194
7,305
635-95
workplace, personal or stakeholder pensions before 6 April 2012
635
The new State Pension
95
7,306
7,369
635-96
You may have paid lower National Insurance contributions and paid into one of these pensions instead. This is known as being ‘contracted out’ of the Additional State Pension and will affect most people who have been in work.
635
The new State Pension
96
7,370
7,594
635-97
You can check with your pension provider if you’ve been contracted out in the past. The Pension Tracing Service might be able to find your pension providers’ contact details if you’ve lost contact with them.
635
The new State Pension
97
7,595
7,802
635-98
Changes to contracting out from 6 April 2016
635
The new State Pension
98
7,803
7,847
635-99
On 6 April 2016 these rules changed so that if you were contracted out:
635
The new State Pension
99
7,848
7,919
635-100
you’ll no longer be contracted out
635
The new State Pension
100
7,920
7,954
635-101
you’ll pay more National Insurance (the standard amount)
635
The new State Pension
101
7,955
8,011
635-102
Check if you were contracted out
635
The new State Pension
102
8,012
8,044