You’ll be able to claim the new State Pension when you reach State Pension age if you’re:
\n\nIf you were born before, these rules do not apply. Instead, you’ll get the basic State Pension. You may also get Additional State Pension.
\n\nThis guide is also available in Welsh (Cymraeg) and easy read format.
\nYou’ll need 10 qualifying years on your National Insurance record to get any new State Pension.
\n\nA qualifying year is one in which you were:
\n\nYou might also qualify if you’ve lived or worked abroad or paid reduced rate National Insurance for married women.
\n\nThe qualifying years on your National Insurance record affect how much State Pension you get. Check your State Pension forecast to see what you might get when you reach State Pension age.
\nYou can claim State Pension abroad if you’ve paid enough National Insurance contributions to qualify. How much you’ll get might be affected if you retire or move abroad.
\n\nYour new State Pension is usually based on your own National Insurance record. In some cases you might inherit State Pension or increase it through a spouse or civil partner.
\n","slug":"eligibility","title":"Eligibility"},{"body":"Your State Pension amount depends on your National Insurance record.
\n\nCheck your State Pension forecast to find out how much you could get when you reach State Pension age. It also shows your National Insurance record.
\n\nThe full rate of new State Pension is £241.30 a week. Your amount could be different depending on:
\n\nYou might need more National Insurance qualifying years to increase your State Pension.
\n\nYou may have been contracted out. While you were contracted out, you or your employer paid more into your workplace or private pension and less into your State Pension.
\n\nIf you were contracted out, you will usually need more than 35 qualifying years to get the full rate of new State Pension.
\n\nIf your National Insurance record started after April 2016 you will need 35 qualifying years to get the full rate of new State Pension.
\n\nIf you paid into the Additional State Pension before 2016 and would have got more State Pension under the old rules, you’ll get a ‘protected payment’. This is paid on top of the full rate of new State Pension.
\n\nThe new State Pension increases each year by whichever is the highest:
\n\nIf you have a protected payment, it increases each year in line with the CPI.
\n\nYou can read ‘Your new State Pension explained’ for more detailed information about the new State Pension scheme.
\n\n","slug":"what-youll-get","title":"What you'll get"},{"body":"You will not get your new State Pension automatically - you have to claim it.
\n\nYou’ll need:
\n\nIf you’re applying online, you’ll also need the invitation code from the letter about getting your State Pension.
\n\nIf you have not received an invitation letter but you are within 3 months of reaching your State Pension age, you can request an invitation code.
\n\n\n\nHow to claim is different if you claim from Northern Ireland or if you claim from abroad, including the Channel Islands.
\nIf you’ll reach State Pension age in the next 4 months, you can phone the Pension Service to claim.
\n\nYou need to phone the Pension Service to get a State Pension claim form posted to you.
\n\nSend your completed form to:
\n\n\nFreepost DWP Pensions Service 3\n
Do not write anything except the freepost address on the envelope. You do not need a postcode or a stamp.
\n\nYou must tell the Pension Service if your circumstances change.
\n\nYou can claim your new State Pension even if you carry on working. However, you can delay (defer) claiming your state pension to increase the amount you get.
\n\nWhen you apply, you’ll be asked if you’ve lived or worked abroad. You’ll be sent a claim form if you lived or worked in:
\n\nThe International Pension Centre will send your claim to state pension schemes in the countries you’ve lived or worked in. The schemes will contact you if you’re eligible. You do not need to make separate claims to them.
\n\nIf you want to claim state pensions from any other countries, contact the pension authority in the last country you lived or worked in.
\nContact the International Pension Centre if you need help with your claim.
\n\nIf you’re eligible for a state pension from the Isle of Man, it will be separate to your UK new State Pension.
\n\nFind out if you’re eligible and how to claim your Isle of Man pension.\nYou’ll get one payment for your UK pension and a separate payment for your Isle of Man pension.
\n\nYou cannot defer an Isle of Man pension after 6 April 2016.
\n\n","slug":"how-to-claim","title":"How to claim"},{"body":"After you’ve claimed your State Pension you’ll get a letter about your payments.
\n\nThe new State Pension is usually paid into your account every 4 weeks. If you want to change the account, tell the Pension Service.
\n\nThere are different rules if you live abroad.
\nYou’ll be asked when you want to start getting your State Pension when you claim. Your first payment will be no later than 5 weeks after the date you choose.
\n\nYou’ll get a full payment every 4 weeks after that.
\n\nYou might get part of a payment before your first full payment. The letter confirming your State Pension payment will tell you what to expect.
\n\nThe day your pension is paid depends on your National Insurance number.
\n\nYou might be paid earlier if your normal payment day is a bank holiday.
\n\n| Last 2 digits of your National Insurance number | \nPayment day of the week | \n
|---|---|
| 00 to 19 | \nMonday | \n
| 20 to 39 | \nTuesday | \n
| 40 to 59 | \nWednesday | \n
| 60 to 79 | \nThursday | \n
| 80 to 99 | \nFriday | \n
You can get advice from an independent financial adviser if you want more information on increasing your retirement income.
\n\nEach qualifying year after 6 April 2016 added to your National Insurance record increases your State Pension amount, up to the full rate (£241.30 a week).
\n\nGet a State Pension forecast or check your State Pension award letter to see what you’ll get.
\n\nYou might be able to add more National Insurance qualifying years by:
\n\nYears where you were contracted out count as qualifying years and are not gaps in your National Insurance record.
\n\nYou can pay into a workplace pension or personal pension.
\n\nYou can keep working after you reach State Pension age. If you do, you’ll stop paying National Insurance.
\n\nYour State Pension will increase every week you delay (defer) claiming it, as long as you defer for at least 9 weeks.
\n\nFor every year you delay claiming, your weekly payments increase by just under 5.8%.
\n\nYou cannot build up this extra State Pension if you get certain benefits. Deferring can also affect how much you can get in benefits.
\n\nIf you’re on a low income, you may be eligible to apply for Pension Credit, even if you’ve saved money for retirement.
\n\nIf you have a disability and someone helps look after you, you may be eligible for Attendance Allowance.
\n\nYou may be eligible for other benefits and financial support.
\n","slug":"increase-retirement-income","title":"How to increase your retirement income"},{"body":"You might be able to inherit an extra payment on top of your new State Pension if you’re widowed.
\n\nYou will not be able to inherit anything if you remarry or form a new civil partnership before you reach State Pension age.
\nYou 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:
\n\nIt will be paid with your State Pension.
\n\nYou’ll inherit half of your partner’s protected payment if your marriage or civil partnership with them began before 6 April 2016 and:
\n\nIt will be paid with your State Pension.
\n\nYou may inherit part of or all of your partner’s extra State Pension or lump sum if:
\n\nThe new State Pension is based on your own National Insurance record.
\n\nIf you paid reduced rate National Insurance for married women, you might be able to increase your new State Pension if you’re eligible.
\nThe courts can make a ‘pension sharing order’ if you get divorced or dissolve your civil partnership.
\n\nYou’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.
\n\nYour State Pension will be reduced if you’re ordered to share your Additional State Pension or protected payment with your partner.
\n","slug":"inheriting-or-increasing-state-pension-from-a-spouse-or-civil-partner","title":"Inheriting or increasing State Pension from a spouse or civil partner"},{"body":"If you’ve lived or worked in another country, this could affect your claim for the new State Pension. How it could affect your claim depends on:
\n\nYou might be eligible for an overseas state pension as well as the new State Pension in the UK. You’ll be asked to provide details about time spent abroad when you make a claim. You can get advice from the International Pension Centre.
\n\nIf you’re planning to claim the new State Pension while living abroad, find out how living abroad can affect your pension payments and find out where you’ll need to pay tax on your pension.
\nYou usually need 10 qualifying years on your National Insurance record to be eligible.
\n\nYou could still be eligible if you made contributions to the state pensions in:
\n\nYou could also be eligible if you’ve lived in:
\n\nTime spent making contributions in these countries can be added to the qualifying years in your UK National Insurance record.
\n\nThat time will be added on when you make a claim.
\n\nIf you have 10 or more years in total, you could get the new State Pension.
\n\nHowever, the amount you actually get paid will only be based on the qualifying years in your UK National Insurance record.
\n\nExample
\n\nYou have 7 qualifying years from the UK on your National Insurance record when you reach State Pension age.
\n\nYou worked in an EEA country for 16 years and paid contributions to that country’s state pension.
\n\nYou will meet the minimum qualifying years to get the new State Pension because of the time you worked abroad. Your new State Pension amount will only be based on the 7 years of National Insurance contributions you made in the UK.
\nIf you currently live in the UK, time spent living in Canada or New Zealand could be added to the qualifying years in your UK National Insurance record. Time spent living in Australia before 5 April 2001 can also be added.
\n\nIf you do not currently live in the UK, you might also be able to add this time if all of the following apply:
\n\nWherever you live, you’ll also have to meet other criteria. The Department for Work and Pensions (DWP) will work out whether you meet these criteria when you make a claim.
\n\nIf you meet the criteria and the time can be added, you could get the new State Pension if you have 10 or more years in total.
\n\nThe amount you get paid will be based on the qualifying years in your UK National Insurance record and the time added on from these countries.
\n\nYou can only get paid up to the full rate of the new State Pension.
\n\nYou can get more qualifying years added to your National Insurance record if you made state pension contributions in:
\n\nYou can also get more money from your new State Pension if you’ve lived in:
\n\nUsually, if you have not made UK National Insurance contributions for a full year then it will not count as a qualifying year.
\n\nHowever, partial years of making UK National Insurance contributions could count if:
\n\nThe time spent paying UK National Insurance contributions will then be added onto your qualifying years when you make your claim.
\n\nIf you currently live in the UK, time spent living in Canada or New Zealand could be added to the qualifying years in your UK National Insurance record. Time spent living in Australia before 5 April 2001 can also be added.
\n\nIf you do not currently live in the UK, you might also be able to add this time if all of the following apply:
\n\nWherever you live, you’ll also have to meet other criteria. The Department for Work and Pensions (DWP) will work out whether you meet these criteria when you make a claim.
\n\nIf you meet the criteria and the time can be added, then the amount you get paid will be based on the qualifying years in your UK National Insurance record and the time added on.
\n\nYou can only get paid up to the full rate of the new State Pension.
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