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635-103
Check your old payslips. You were contracted out if the National Insurance contributions line has the letter D or N next to it. You were not contracted out if it has a letter A.
635
The new State Pension
103
8,045
8,222
635-104
If there’s a different letter, check with your employer or pension provider.
635
The new State Pension
104
8,223
8,299
635-105
You’re more likely to have been contracted out if you worked in the public sector, for example:
635
The new State Pension
105
8,300
8,395
635-106
the NHS
635
The new State Pension
106
8,396
8,403
635-107
local councils
635
The new State Pension
107
8,404
8,418
635-108
fire services
635
The new State Pension
108
8,419
8,432
635-109
the civil service
635
The new State Pension
109
8,433
8,450
635-110
teaching
635
The new State Pension
110
8,451
8,459
635-111
police forces
635
The new State Pension
111
8,460
8,473
635-112
the armed forces
635
The new State Pension
112
8,474
8,490
635-113
You paid National Insurance at a lower rate if you were contracted out.
635
The new State Pension
113
8,491
8,562
635-114
Your National Insurance record and your State Pension
635
The new State Pension
114
8,563
8,616
635-115
Your new State Pension is based on your National Insurance record when you reach State Pension age.
635
The new State Pension
115
8,617
8,716
635-116
You’ll usually need to have 10 qualifying years on your National Insurance record to get any new State Pension.
635
The new State Pension
116
8,717
8,828
635-117
You may get less than the new full State Pension if you were contracted out before 6 April 2016.
635
The new State Pension
117
8,829
8,925
635-118
You may get more than the new full State Pension if you would have had over a certain amount of Additional State Pension under the old rules.
635
The new State Pension
118
8,926
9,067
635-119
You’ll need 35 qualifying years to get the new full State Pension if you do not have a National Insurance record before 6 April 2016.
635
The new State Pension
119
9,068
9,201
635-120
Qualifying years if you’re working
635
The new State Pension
120
9,202
9,236
635-121
When you’re working you pay National Insurance and get a qualifying year if:
635
The new State Pension
121
9,237
9,313
635-122
you’re employed and earning over £184 a week from one employer
635
The new State Pension
122
9,314
9,376
635-123
you’re self-employed and paying National Insurance contributions
635
The new State Pension
123
9,377
9,441
635-124
You might not pay National Insurance contributions because you’re earning less than £184 a week. You may still get a qualifying year if you earn between £120 and £184 a week from one employer.
635
The new State Pension
124
9,442
9,634
635-125
Qualifying years if you’re not working
635
The new State Pension
125
9,635
9,673
635-126
You may get National Insurance credits if you cannot work - for example because of illness or disability, or if you’re a carer or you’re unemployed.
635
The new State Pension
126
9,674
9,822
635-127
For example, you can get National Insurance credits if you:
635
The new State Pension
127
9,823
9,882
635-128
claim Child Benefit for a child under 12 (or under 16 before 2010)
635
The new State Pension
128
9,883
9,949
635-129
get Jobseeker’s Allowance or Employment and Support Allowance
635
The new State Pension
129
9,950
10,011
635-130
get Carer’s Allowance
635
The new State Pension
130
10,012
10,033
635-131
You’re not working or getting National Insurance credits
635
The new State Pension
131
10,034
10,090
635-132
You might be able to pay voluntary National Insurance contributions if you’re not in one of these groups but want to increase your State Pension amount.
635
The new State Pension
132
10,091
10,243
635-133
Gaps in your National Insurance record
635
The new State Pension
133
10,244
10,282
635-134
You can have gaps in your National Insurance record and still get the full new State Pension.
635
The new State Pension
134
10,283
10,376
635-135
You can get a State Pension forecast which will tell you how much State Pension you may get. You can then apply for a National Insurance statement from HM Revenue and Customs (HMRC) to check if your record has gaps.
635
The new State Pension
135
10,377
10,592
635-136
If you have gaps in your National Insurance record that would prevent you from getting the full new State Pension, you may be able to:
635
The new State Pension
136
10,593
10,727
635-137
get National Insurance credits
635
The new State Pension
137
10,728
10,758
635-138
make voluntary National Insurance contributions
635
The new State Pension
138
10,759
10,806
635-139
Inheriting or increasing State Pension from a spouse or civil partner
635
The new State Pension
139
10,807
10,876
635-140
You might be able to inherit an extra payment on top of your new State Pension if you’re widowed.
635
The new State Pension
140
10,877
10,974
635-141
You will not be able to inherit anything if you remarry or form a new civil partnership before you reach State Pension age.
635
The new State Pension
141
10,975
11,098
635-142
Inheriting Additional State Pension
635
The new State Pension
142
11,099
11,134
635-143
You might inherit part of your deceased partner’s Additional State Pension if your marriage or civil partnership with them began before 6 April 2016 and one of the following applies:
635
The new State Pension
143
11,135
11,317
635-144
your partner reached State Pension age before 6 April 2016
635
The new State Pension
144
11,318
11,376
635-145
they died before 6 April 2016 but would have reached State Pension age on or after that date
635
The new State Pension
145
11,377
11,469
635-146
It will be paid with your State Pension.
635
The new State Pension
146
11,470
11,510
635-147
Inheriting a protected payment
635
The new State Pension
147
11,511
11,541
635-148
You’ll inherit half of your partner’s protected payment if your marriage or civil partnership with them began before 6 April 2016 and:
635
The new State Pension
148
11,542
11,676
635-149
their State Pension age is on or after 6 April 2016
635
The new State Pension
149
11,677
11,728
635-150
they died on or after 6 April 2016
635
The new State Pension
150
11,729
11,763
635-151
It will be paid with your State Pension.
635
The new State Pension
151
11,764
11,804
635-152
Inheriting extra State Pension or a lump sum
635
The new State Pension
152
11,805
11,849
635-153
You may inherit part of or all of your partner’s extra State Pension or lump sum if:
635
The new State Pension
153
11,850
11,934
635-154
they died while they were deferring their State Pension (before claiming) or they had started claiming it after deferring
635
The new State Pension
154
11,935
12,056
635-155
they reached State Pension age before 6 April 2016
635
The new State Pension
155
12,057
12,107
635-156
you were married or in the civil partnership when they died
635
The new State Pension
156
12,108
12,167
635-157
Your partner’s National Insurance record and your State Pension
635
The new State Pension
157
12,168
12,231
635-158
The new State Pension is based on your own National Insurance record.
635
The new State Pension
158
12,232
12,301
635-159
If you paid married women’s or widows’ reduced rate National Insurance, you might be able to increase your new State Pension if you’re eligible.
635
The new State Pension
159
12,302
12,446
635-160
If you get divorced or dissolve your civil partnership
635
The new State Pension
160
12,447
12,501
635-161
The courts can make a ‘pension sharing order’ if you get divorced or dissolve your civil partnership.
635
The new State Pension
161
12,502
12,603
635-162
You’ll get an extra payment on top of your State Pension if your ex-partner is ordered to share their Additional State Pension or protected payment with you.
635
The new State Pension
162
12,604
12,761
635-163
Your State Pension will be reduced if you’re ordered to share your Additional State Pension or protected payment with your partner.
635
The new State Pension
163
12,762
12,893
635-164
Living and working overseas
635
The new State Pension
164
12,894
12,921
635-165
If you live or work in another country, you might be able to contribute towards that country’s State Pension scheme.
635
The new State Pension
165
12,922
13,038
635-166
If you’ve lived or worked in another country in the past, you might be eligible for that country’s state pension and a UK State Pension.
635
The new State Pension
166
13,039
13,175
635-167
To check if you can pay into or receive another country’s state pension, contact the pension service for that country.
635
The new State Pension
167
13,176
13,294
635-168
Claiming another country’s state pension
635
The new State Pension
168
13,295
13,335
635-169
Depending on where you’ve lived or worked, you may need to make more than one pension claim.
635
The new State Pension
169
13,336
13,428
635-170
European Economic Area (EEA) countries, Gibraltar and Switzerland
635
The new State Pension
170
13,429
13,494
635-171
You only need to claim your state pension in the last country where you lived or worked. Your claim will cover all EEA countries, Gibraltar and Switzerland. You do not need to claim for each country separately.
635
The new State Pension
171
13,495
13,705
635-172
Countries outside the EEA (except Switzerland)
635
The new State Pension
172
13,706
13,752
635-173
You need to claim your pension from each country separately.
635
The new State Pension
173
13,753
13,813
635-174
Check with the pension service for the country where you’ve lived or worked to find out how to make a claim.
635
The new State Pension
174
13,814
13,922
635-175
Your UK State Pension if you’ve lived or worked abroad
635
The new State Pension
175
13,923
13,977
635-176
Your UK State Pension will be based on your UK National Insurance record. You need 10 years of UK National Insurance contributions to be eligible for the new State Pension.
635
The new State Pension
176
13,978
14,150
635-177
You may be able to use time spent abroad to make up the 10 qualifying years. This is most likely if you’ve lived or worked in:
635
The new State Pension
177
14,151
14,277
635-178
the EEA
635
The new State Pension
178
14,278
14,285
635-179
Switzerland
635
The new State Pension
179
14,286
14,297
635-180
Gibraltar
635
The new State Pension
180
14,298
14,307
635-181
certain countries that have a social security agreement with the UK
635
The new State Pension
181
14,308
14,375
635-182
You want to retire overseas
635
The new State Pension
182
14,376
14,403
635-183
You can claim the new State Pension overseas in most countries.
635
The new State Pension
183
14,404
14,467
635-184
Your State Pension will increase each year but only if you live in:
635
The new State Pension
184
14,468
14,535
635-185
the EEA
635
The new State Pension
185
14,536
14,543
635-186
Gibraltar
635
The new State Pension
186
14,544
14,553
635-187
Switzerland
635
The new State Pension
187
14,554
14,565
635-188
certain countries that have a social security agreement with the UK
635
The new State Pension
188
14,566
14,633
635-189
Your new State Pension may be affected if your circumstances change. You can get more information from the International Pension Centre.
635
The new State Pension
189
14,634
14,770
636-0
Overview
636
The basic State Pension
0
0
8
636-1
You can claim the basic State Pension if you’re:
636
The basic State Pension
1
9
57
636-2
a man born before 6 April 1951
636
The basic State Pension
2
58
88
636-3
a woman born before 6 April 1953
636
The basic State Pension
3
89
121
636-4
If you were born later, you’ll need to claim the new State Pension instead.
636
The basic State Pension
4
122
197
636-5
This guide is also available in Welsh (Cymraeg).
636
The basic State Pension
5
198
246
636-6
To get the basic State Pension you must have paid or been credited with National Insurance contributions.
636
The basic State Pension
6
247
352
636-7
The most you can currently get is £137.60 per week.
636
The basic State Pension
7
353
404
636-8
The basic State Pension increases every year by whichever is the highest of the following:
636
The basic State Pension
8
405
495
636-9
earnings - the average percentage growth in wages (in Great Britain)
636
The basic State Pension
9
496
564
636-10
prices - the percentage growth in prices in the UK as measured by the Consumer Prices Index (CPI)
636
The basic State Pension
10
565
662
636-11
2.5%
636
The basic State Pension
11
663
667
636-12
Eligibility
636
The basic State Pension
12
668
679