What you'll get

The amount of extra State Pension you could get depends on when you reach State Pension age.

If you reach State Pension age on or after 6 April 2016

Your State Pension will increase every week you defer, as long as you defer for at least 9 weeks.

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 full year.

The extra amount is paid with your regular State Pension payment.

Example: You get £164.35 a week (the full new State Pension). This works out as £8,546.20 a year.

By deferring for one year, you’ll get an extra £493 a year (just under 5.8% of £8,546.20).

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.

If you reached State Pension age before 6 April 2016

You can usually take your extra State Pension as either:

  • higher weekly payments

  • a one-off lump sum 


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.

Higher weekly payments

Your State Pension will increase every week you defer, as long as you defer for at least 5 weeks.

Your State Pension increases by the equivalent of 1% for every 5 weeks you defer. This works out as 10.4% for every full year.

The extra amount is paid with your regular State Pension payment.

Example: You get £125.95 a week (the full basic State Pension). This works out as £6,549.40 a year.

By deferring for one year, you’ll get an extra £681 a year (10.4% of £6,549.40).

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.

Lump sum payment

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.

If you’re in prison

You won’t build up extra State Pension until you leave prison.

Annual increases

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 won’t increase for some people who live abroad.

Get help

Contact the State Pension claim line if you need help.