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637-90
a woman who legally changed their gender from male to female during your marriage
637
Additional State Pension
90
7,226
7,307
637-91
If you reached State Pension age on or after 6 April 2016
637
Additional State Pension
91
7,308
7,365
637-92
You cannot inherit your spouse or civil partner’s Additional State Pension if either:
637
Additional State Pension
92
7,366
7,451
637-93
your spouse or civil partner died on or after 6 April 2016 and reached (or would have reached) State Pension age on or after 6 April 2016
637
Additional State Pension
93
7,452
7,589
637-94
you started your marriage or civil partnership on or after 6 April 2016
637
Additional State Pension
94
7,590
7,661
637-95
If you get divorced
637
Additional State Pension
95
7,662
7,681
637-96
If you get divorced or your civil partnership is dissolved the court can decide that your Additional State Pension should be shared as part of the financial settlement.
637
Additional State Pension
96
7,682
7,850
637-97
You’ll have to fill in form BR20 to give details of your Additional State Pension.
637
Additional State Pension
97
7,851
7,933
638-0
How it works
638
Delay (defer) your State Pension
0
0
12
638-1
You do not get your 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.
638
Delay (defer) your State Pension
1
13
191
638-2
You can either claim your State Pension or delay (defer) claiming it.
638
Delay (defer) your State Pension
2
192
261
638-3
If you want to defer, you do not have to do anything. Your pension will automatically be deferred until you claim it.
638
Delay (defer) your State Pension
3
262
379
638-4
Deferring your State Pension could increase the payments you get when you decide to claim it. Any extra payments you get from deferring could be taxed.
638
Delay (defer) your State Pension
4
380
531
638-5
This guide is also available in Welsh (Cymraeg).
638
Delay (defer) your State Pension
5
532
580
638-6
If you’re on benefits
638
Delay (defer) your State Pension
6
581
602
638-7
You cannot get extra State Pension if you get certain benefits. Deferring can also affect how much you can get in benefits.
638
Delay (defer) your State Pension
7
603
726
638-8
You must tell the Pension Service if you’re on benefits and you want to defer.
638
Delay (defer) your State Pension
8
727
805
638-9
What you'll get
638
Delay (defer) your State Pension
9
806
821
638-10
The amount of extra State Pension you could get depends on when you reach State Pension age.
638
Delay (defer) your State Pension
10
822
914
638-11
If you reach State Pension age on or after 6 April 2016
638
Delay (defer) your State Pension
11
915
970
638-12
Your State Pension will increase every week you defer, as long as you defer for at least 9 weeks.
638
Delay (defer) your State Pension
12
971
1,068
638-13
Your State Pension increases by the equivalent of 1% for every 9 weeks you defer. This works out as just under 5.8% for every 52 weeks.
638
Delay (defer) your State Pension
13
1,069
1,204
638-14
The extra amount is paid with your regular State Pension payment.
638
Delay (defer) your State Pension
14
1,205
1,270
638-15
This example assumes there is no annual increase in the State Pension. If there is an annual increase, the amount you could get could be larger.
638
Delay (defer) your State Pension
15
1,271
1,415
638-16
If you reached State Pension age before 6 April 2016
638
Delay (defer) your State Pension
16
1,416
1,468
638-17
You can usually take your extra State Pension as either:
638
Delay (defer) your State Pension
17
1,469
1,525
638-18
higher weekly payments
638
Delay (defer) your State Pension
18
1,526
1,548
638-19
a one-off lump sum
638
Delay (defer) your State Pension
19
1,549
1,567
638-20
When you claim your deferred State Pension, you’ll get a letter asking how you want to take your extra pension. You’ll have 3 months from receiving that letter to decide.
638
Delay (defer) your State Pension
20
1,568
1,738
638-21
Higher weekly payments
638
Delay (defer) your State Pension
21
1,739
1,761
638-22
Your State Pension will increase every week you defer, as long as you defer for at least 5 weeks.
638
Delay (defer) your State Pension
22
1,762
1,859
638-23
Your State Pension increases by the equivalent of 1% for every 5 weeks you defer. This works out as 10.4% for every 52 weeks.
638
Delay (defer) your State Pension
23
1,860
1,985
638-24
The extra amount is paid with your regular State Pension payment.
638
Delay (defer) your State Pension
24
1,986
2,051
638-25
This example assumes there is no annual increase in the State Pension. If there is an annual increase, the amount you could get could be larger.
638
Delay (defer) your State Pension
25
2,052
2,196
638-26
Lump sum payment
638
Delay (defer) your State Pension
26
2,197
2,213
638-27
You can get a one-off lump sum payment if you defer claiming your State Pension for at least 12 months in a row. This will include interest of 2% above the Bank of England base rate.
638
Delay (defer) your State Pension
27
2,214
2,396
638-28
You’ll be taxed at your current rate on your lump sum payment. For example, if you’re a basic rate taxpayer your lump sum will be taxed at 20%.
638
Delay (defer) your State Pension
28
2,397
2,540
638-29
If you’re in prison
638
Delay (defer) your State Pension
29
2,541
2,560
638-30
You will not build up extra State Pension until you leave prison.
638
Delay (defer) your State Pension
30
2,561
2,626
638-31
Annual increases
638
Delay (defer) your State Pension
31
2,627
2,643
638-32
After you claim your State Pension, the extra amount you get because you deferred will usually increase each year based on the Consumer Price Index. It will not increase for some people who live abroad.
638
Delay (defer) your State Pension
32
2,644
2,846
638-33
Get help
638
Delay (defer) your State Pension
33
2,847
2,855
638-34
Contact the State Pension claim line if you need help.
638
Delay (defer) your State Pension
34
2,856
2,910
638-35
If you get benefits or tax credits
638
Delay (defer) your State Pension
35
2,911
2,945
638-36
You cannot build up extra State Pension during any period you get:
638
Delay (defer) your State Pension
36
2,946
3,012
638-37
Income Support
638
Delay (defer) your State Pension
37
3,013
3,027
638-38
Pension Credit
638
Delay (defer) your State Pension
38
3,028
3,042
638-39
Employment and Support Allowance (income-related)
638
Delay (defer) your State Pension
39
3,043
3,092
638-40
Jobseeker’s Allowance (income-based)
638
Delay (defer) your State Pension
40
3,093
3,129
638-41
Universal Credit
638
Delay (defer) your State Pension
41
3,130
3,146
638-42
Carer’s Allowance
638
Delay (defer) your State Pension
42
3,147
3,164
638-43
Incapacity Benefit
638
Delay (defer) your State Pension
43
3,165
3,183
638-44
Severe Disablement Allowance
638
Delay (defer) your State Pension
44
3,184
3,212
638-45
Widow’s Pension
638
Delay (defer) your State Pension
45
3,213
3,228
638-46
Widowed Parent’s Allowance
638
Delay (defer) your State Pension
46
3,229
3,255
638-47
Unemployability Supplement
638
Delay (defer) your State Pension
47
3,256
3,282
638-48
You cannot build up extra State Pension during any period your partner gets:
638
Delay (defer) your State Pension
48
3,283
3,359
638-49
Income Support
638
Delay (defer) your State Pension
49
3,360
3,374
638-50
Pension Credit
638
Delay (defer) your State Pension
50
3,375
3,389
638-51
Universal Credit
638
Delay (defer) your State Pension
51
3,390
3,406
638-52
Employment and Support Allowance (income-related)
638
Delay (defer) your State Pension
52
3,407
3,456
638-53
Jobseeker’s Allowance (income-related)
638
Delay (defer) your State Pension
53
3,457
3,495
638-54
Higher weekly payments
638
Delay (defer) your State Pension
54
3,496
3,518
638-55
Taking your extra State Pension as higher weekly payments could reduce the amount you get from:
638
Delay (defer) your State Pension
55
3,519
3,614
638-56
Income Support
638
Delay (defer) your State Pension
56
3,615
3,629
638-57
Pension Credit
638
Delay (defer) your State Pension
57
3,630
3,644
638-58
Universal Credit
638
Delay (defer) your State Pension
58
3,645
3,661
638-59
Employment and Support Allowance (income-related)
638
Delay (defer) your State Pension
59
3,662
3,711
638-60
Jobseeker’s Allowance (income-related)
638
Delay (defer) your State Pension
60
3,712
3,750
638-61
Housing Benefit
638
Delay (defer) your State Pension
61
3,751
3,766
638-62
Council Tax Reduction
638
Delay (defer) your State Pension
62
3,767
3,788
638-63
tax credits
638
Delay (defer) your State Pension
63
3,789
3,800
638-64
If you reached State Pension age before 6 April 2016
638
Delay (defer) your State Pension
64
3,801
3,853
638-65
Your tax credits or Universal Credit payments may be reduced if you choose to take your extra State Pension as a lump sum.
638
Delay (defer) your State Pension
65
3,854
3,976
638-66
Winter Fuel Payment
638
Delay (defer) your State Pension
66
3,977
3,996
638-67
You need to claim Winter Fuel Payment if you’ve deferred your State Pension. You only need to do this once.
638
Delay (defer) your State Pension
67
3,997
4,104
638-68
Get help
638
Delay (defer) your State Pension
68
4,105
4,113
638-69
Contact Jobcentre Plus if you need help to understand how your benefits could be affected.
638
Delay (defer) your State Pension
69
4,114
4,204
638-70
If you move abroad
638
Delay (defer) your State Pension
70
4,205
4,223
638-71
If you move to any of the countries in this list, the rules for deferring are the same as in the UK:
638
Delay (defer) your State Pension
71
4,224
4,324
638-72
European Economic Area (EEA) countries
638
Delay (defer) your State Pension
72
4,325
4,363
638-73
Switzerland
638
Delay (defer) your State Pension
73
4,364
4,375
638-74
a country that the UK has a social security agreement with (except Canada or New Zealand)
638
Delay (defer) your State Pension
74
4,376
4,465
638-75
If you move to a country that is not in the list, the extra payment you get will stay the same. It will not go up or down over time.
638
Delay (defer) your State Pension
75
4,466
4,598
638-76
If you reach State Pension age on or after 6 April 2016
638
Delay (defer) your State Pension
76
4,599
4,654
638-77
If you move to a country that is not in the list, your extra payment will be based on the State Pension you’re owed at whichever is later of:
638
Delay (defer) your State Pension
77
4,655
4,796
638-78
the date you reach State Pension age
638
Delay (defer) your State Pension
78
4,797
4,833
638-79
the date you move abroad
638
Delay (defer) your State Pension
79
4,834
4,858
638-80
Contact the International Pension Centre if you need help working out what you could get.
638
Delay (defer) your State Pension
80
4,859
4,948
638-81
Claim a deferred State Pension
638
Delay (defer) your State Pension
81
4,949
4,979
638-82
If you have deferred your State Pension for a year or less, you can apply online.
638
Delay (defer) your State Pension
82
4,980
5,061
638-83
You can also:
638
Delay (defer) your State Pension
83
5,062
5,075
638-84
print off and post the State Pension claim form to the Pension Service
638
Delay (defer) your State Pension
84
5,076
5,146
638-85
apply by phone - call the Pension Service to get a State Pension claim form posted to you
638
Delay (defer) your State Pension
85
5,147
5,236
638-86
Send your completed form to:
638
Delay (defer) your State Pension
86
5,237
5,265
638-87
There’s a different way to claim your pension from abroad, including the Channel Islands.
638
Delay (defer) your State Pension
87
5,266
5,355
638-88
If you have deferred for more than a year, you need to call the Pension Service to claim.
638
Delay (defer) your State Pension
88
5,356
5,445
638-89
The process is different if you live in Northern Ireland.
638
Delay (defer) your State Pension
89
5,446
5,503
638-90
Inheriting a deferred State Pension
638
Delay (defer) your State Pension
90
5,504
5,539
638-91
You can usually inherit your partner’s extra State Pension if all of the following apply:
638
Delay (defer) your State Pension
91
5,540
5,629