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638-92
your partner reached State Pension age before 6 April 2016
638
Delay (defer) your State Pension
92
5,630
5,688
638-93
you were married to, or in a civil partnership with, your partner when they died
638
Delay (defer) your State Pension
93
5,689
5,769
638-94
your partner had deferred their State Pension or was claiming their deferred State Pension when they died
638
Delay (defer) your State Pension
94
5,770
5,875
638-95
you did not remarry or form a new civil partnership before you reached State Pension age
638
Delay (defer) your State Pension
95
5,876
5,964
638-96
If your partner died before 6 April 2010, one of the following must also apply:
638
Delay (defer) your State Pension
96
5,965
6,044
638-97
you were over State Pension age when your partner died
638
Delay (defer) your State Pension
97
6,045
6,099
638-98
you were under State Pension age when your partner died, you’re a woman and your deceased partner was your husband
638
Delay (defer) your State Pension
98
6,100
6,214
638-99
You can only receive any extra State Pension you’ve inherited once you’ve reached State Pension age.
638
Delay (defer) your State Pension
99
6,215
6,315
638-100
If your partner died before claiming their State Pension
638
Delay (defer) your State Pension
100
6,316
6,372
638-101
How you inherit your partner’s extra State Pension depends on how long they deferred their pension for.
638
Delay (defer) your State Pension
101
6,373
6,476
638-102
A year or more
638
Delay (defer) your State Pension
102
6,477
6,491
638-103
If your partner deferred their State Pension by a year or more, you can usually choose to inherit it as a lump sum or as weekly payments. You’ll get a letter with the options you can choose from.
638
Delay (defer) your State Pension
103
6,492
6,687
638-104
Between 5 weeks and a year
638
Delay (defer) your State Pension
104
6,688
6,714
638-105
If your partner deferred their State Pension by between 5 weeks and a year, you’ll inherit it as weekly payments. You’ll get these payments with your own State Pension.
638
Delay (defer) your State Pension
105
6,715
6,883
638-106
Less than 5 weeks
638
Delay (defer) your State Pension
106
6,884
6,901
638-107
If your partner deferred their State Pension by less than 5 weeks, their State Pension payments for those weeks will become part their estate (their total property, money and possessions).
638
Delay (defer) your State Pension
107
6,902
7,090
638-108
If your partner was getting their extra State Pension before they died
638
Delay (defer) your State Pension
108
7,091
7,161
638-109
You’ll inherit your partner’s extra State Pension as extra weekly payments. You’ll get these payments with your own State Pension.
638
Delay (defer) your State Pension
109
7,162
7,292
639-0
Overview
639
Over 80 pension
0
0
8
639-1
The over 80 pension is a State Pension for people aged 80 or over.
639
Over 80 pension
1
9
75
639-2
To be eligible you must get either a basic State Pension of less than £82.45 a week, or no basic State Pension at all.
639
Over 80 pension
2
76
194
639-3
It can give you £82.45 a week in the 2021 to 2022 tax year.
639
Over 80 pension
3
195
254
639-4
What you'll get
639
Over 80 pension
4
255
270
639-5
What you get depends on how much basic State Pension you get, if any.
639
Over 80 pension
5
271
340
639-6
If you do not get the basic State Pension or you get less than £82.45 a week, you could get the difference paid up to this amount.
639
Over 80 pension
6
341
471
639-7
Eligibility
639
Over 80 pension
7
472
483
639-8
You cannot get the over 80 pension if you reached State Pension age on or after 6 April 2016.
639
Over 80 pension
8
484
577
639-9
You can claim the over 80 pension if all of the following apply:
639
Over 80 pension
9
578
642
639-10
you’re 80 or over
639
Over 80 pension
10
643
660
639-11
you do not get basic State Pension or your basic State Pension is less than £82.45 a week in 2021 to 2022
639
Over 80 pension
11
661
766
639-12
you were resident in England, Scotland or Wales for at least 10 years out of 20 (this does not have to be 10 years in a row) - this 20 year period must include the day before you turned 80 or any day after
639
Over 80 pension
12
767
972
639-13
you were ‘ordinarily resident’ in the UK, Channel Islands, Isle of Man or Gibraltar on your 80th birthday or the date you made the claim for this pension, if later
639
Over 80 pension
13
973
1,136
639-14
If you live in or are moving to a European Economic Area (EEA) country or Switzerland, find out about pensions and benefits for UK nationals in the EU, EEA and Switzerland.
639
Over 80 pension
14
1,137
1,309
639-15
Your eligibility for the over 80 pension is not based on National Insurance contributions.
639
Over 80 pension
15
1,310
1,400
639-16
How to claim
639
Over 80 pension
16
1,401
1,413
639-17
You can get a claim form from either:
639
Over 80 pension
17
1,414
1,451
639-18
your pension centre
639
Over 80 pension
18
1,452
1,471
639-19
your local Jobcentre Plus
639
Over 80 pension
19
1,472
1,497
639-20
The earliest you can claim is 3 months before your 80th birthday.
639
Over 80 pension
20
1,498
1,563
639-21
Further information
639
Over 80 pension
21
1,564
1,583
639-22
Effect on other benefits
639
Over 80 pension
22
1,584
1,608
639-23
The over 80 pension counts as taxable income, so it may affect other benefits you’re getting.
639
Over 80 pension
23
1,609
1,702
639-24
You must include the over 80 pension as income if you’re claiming other income related benefits.
639
Over 80 pension
24
1,703
1,799
639-25
What to do if your situation changes
639
Over 80 pension
25
1,800
1,836
639-26
If your circumstances change it could affect your eligibility.
639
Over 80 pension
26
1,837
1,899
639-27
It’s important you contact the office that deals with your payments if you:
639
Over 80 pension
27
1,900
1,975
639-28
move house
639
Over 80 pension
28
1,976
1,986
639-29
change your bank account
639
Over 80 pension
29
1,987
2,011
639-30
go into (or leave) hospital or a health authority funded care home
639
Over 80 pension
30
2,012
2,078
639-31
leave the UK to live abroad, or for a long visit
639
Over 80 pension
31
2,079
2,127
639-32
Report your change of situation to The Pension Service.
639
Over 80 pension
32
2,128
2,183
639-33
Who to contact if you have further questions
639
Over 80 pension
33
2,184
2,228
639-34
You can call The Pension Service if you have more questions about the over 80 pension.
639
Over 80 pension
34
2,229
2,315
640-0
State Pension
640
Early retirement, your pension and benefits
0
0
13
640-1
The earliest you can get your State Pension is when you reach your State Pension age. You’ll have to wait to claim your State Pension if you retire before you reach that age.
640
Early retirement, your pension and benefits
1
14
188
640-2
The amount you’ll get
640
Early retirement, your pension and benefits
2
189
210
640-3
The amount you’ll get depends on your National Insurance record and when you reach State Pension age.
640
Early retirement, your pension and benefits
3
211
312
640-4
You’ll claim basic State Pension and Additional State Pension if you reached State Pension age before 6 April 2016.
640
Early retirement, your pension and benefits
4
313
428
640-5
You’ll claim the new State Pension if you reach State Pension age on or after 6 April 2016.
640
Early retirement, your pension and benefits
5
429
520
640-6
Personal and workplace pensions
640
Early retirement, your pension and benefits
6
521
552
640-7
When you can take money from your pension pot will depend on your pension scheme’s rules, but it’s usually after you’re 55.
640
Early retirement, your pension and benefits
7
553
676
640-8
You may be able to take money out before this age if either:
640
Early retirement, your pension and benefits
8
677
737
640-9
you’re retiring early because of ill health
640
Early retirement, your pension and benefits
9
738
781
640-10
you had the right under the scheme you joined before 6 April 2006 to take your pension before you’re 55 – ask your pension provider if you’re not sure
640
Early retirement, your pension and benefits
10
782
932
640-11
Some companies offer to help you get money out of your pension before you’re 55. This could be an unauthorised payment. If it’s unauthorised, you pay up to 55% tax on it.
640
Early retirement, your pension and benefits
11
933
1,103
640-12
The pension pot that you build up will probably be smaller if you retire early, because it’s had less time to increase in value.
640
Early retirement, your pension and benefits
12
1,104
1,232
640-13
Taking your pension early because of ill health
640
Early retirement, your pension and benefits
13
1,233
1,280
640-14
You might be able to get higher payments if you need to take your pension early because of a health condition. Check with your provider.
640
Early retirement, your pension and benefits
14
1,281
1,417
640-15
If your life expectancy is less than a year
640
Early retirement, your pension and benefits
15
1,418
1,461
640-16
You may be able to take your whole pension pot as a tax-free lump sum if all of the following apply to you:
640
Early retirement, your pension and benefits
16
1,462
1,569
640-17
you’re expected to live less than a year because of serious illness
640
Early retirement, your pension and benefits
17
1,570
1,637
640-18
you’re under 75
640
Early retirement, your pension and benefits
18
1,638
1,653
640-19
you do not have more than the lifetime allowance of £1,073,100 in pension savings
640
Early retirement, your pension and benefits
19
1,654
1,735
640-20
If you’re over 75 you’ll pay Income Tax on the lump sum.
640
Early retirement, your pension and benefits
20
1,736
1,792
640-21
Check with your pension provider. Some pension funds will keep at least 50% of your pension pot for your spouse or civil partner.
640
Early retirement, your pension and benefits
21
1,793
1,922
640-22
Benefits
640
Early retirement, your pension and benefits
22
1,923
1,931
640-23
The amount of money you get from any income-related benefits could be affected if you take your pension early, such as money you get from:
640
Early retirement, your pension and benefits
23
1,932
2,070
640-24
Housing Benefit
640
Early retirement, your pension and benefits
24
2,071
2,086
640-25
Income Support
640
Early retirement, your pension and benefits
25
2,087
2,101
640-26
income-based Jobseeker’s Allowance
640
Early retirement, your pension and benefits
26
2,102
2,136
640-27
income-related Employment and Support Allowance
640
Early retirement, your pension and benefits
27
2,137
2,184
640-28
Pension Credit
640
Early retirement, your pension and benefits
28
2,185
2,199
640-29
Universal Credit
640
Early retirement, your pension and benefits
29
2,200
2,216
640-30
Benefits if you retire early because of ill health
640
Early retirement, your pension and benefits
30
2,217
2,267
640-31
If you retire early because of ill health you may be entitled to other benefits. Use a benefits calculator to check.
640
Early retirement, your pension and benefits
31
2,268
2,384
640-32
Get help
640
Early retirement, your pension and benefits
32
2,385
2,393
640-33
Pension Wise has information about how taking a personal or workplace pension early can affect your benefits.
640
Early retirement, your pension and benefits
33
2,394
2,503
640-34
You can also get help from:
640
Early retirement, your pension and benefits
34
2,504
2,531
640-35
Citizens Advice
640
Early retirement, your pension and benefits
35
2,532
2,547
640-36
the Money Advice Service
640
Early retirement, your pension and benefits
36
2,548
2,572
641-0
Overview
641
Personal pensions
0
0
8
641-1
Personal pensions are pensions that you arrange yourself. They’re sometimes known as defined contribution or ‘money purchase’ pensions. You’ll usually get a pension that’s based on how much was paid in.
641
Personal pensions
1
9
211
641-2
Some employers offer personal pensions as workplace pensions.
641
Personal pensions
2
212
273
641-3
The money you pay into a personal pension is put into investments (such as shares) by the pension provider. The money you’ll get from a personal pension usually depends on:
641
Personal pensions
3
274
447
641-4
how much has been paid in
641
Personal pensions
4
448
473
641-5
how the fund’s investments have performed - they can go up or down
641
Personal pensions
5
474
540
641-6
how you decide to take your money
641
Personal pensions
6
541
574
641-7
Types of personal pension
641
Personal pensions
7
575
600
641-8
There are different types of personal pension. They include:
641
Personal pensions
8
601
661
641-9
stakeholder pensions - these must meet specific government requirements, for example limits on charges
641
Personal pensions
9
662
764