1. How it works
Once you’re 4 months away from State Pension age, you can either claim your State Pension or delay (defer) claiming it.
This guide is also available in Welsh (Cymraeg).
Deferring your State Pension could increase the payments you get when you decide to claim it.
Do nothing if you want to defer. Your pension will automatically be deferred until you claim it.
Any extra payments you get from deferring could be taxed.
If you’re on benefits
You can’t get extra State Pension if you get certain benefits. Deferring can also affect how much you can get in benefits.
You must tell the Pension Service if you’re on benefits and you want to defer.