GOV.UK
Defer your State Pension
3. Extra State Pension and lump sum payments
The rules for deferring your State Pension are changing if you reach State Pension age on or after 6 April 2016.
Extra State Pension
If you’re getting means tested benefits, then extra State Pension will count as income and will affect these benefits, for example:
- Pension Credit
- Housing Benefit
- Council Tax Reduction
- Tax credits
If you’re deferring your State Pension, you won’t build up any extra State Pension or lump sum payment for the days you’re also receiving any of the following benefits:
- Income Support
- Pension Credit
- Employment and Support Allowance (income-related)
- Jobseeker’s Allowance (income-based)
- Universal Credit
- Carer’s Allowance
- Incapacity Benefit
- Severe Disablement Allowance
- Widow’s Pension
- Widowed Mother’s Allowance
- Unemployability Supplement
- any type of State Pension
If you’re deferring your State Pension, you won’t build up any extra State Pension or lump sum payment for the days your partner is getting any of the following benefits:
- Income Support
- Pension Credit
- Employment Support Allowance (income-related)
- Jobseeker’s Allowance (income-based)
- Universal Credit
If you get Graduated Retirement Benefit or Shared Additional Pension, these days will count towards your extra State Pension or lump sum.
Lump sum payments
If you choose a lump sum payment and claim Pension Credit, Housing Benefit or Council Tax Reduction, these benefits will not be affected.
You won’t build up extra State Pension or lump sum payments for any days you’re in prison.