How it works

You don’t get your State Pension automatically - you have to claim it. You should get a letter no later than 2 months before you reach State Pension age, telling you what to do.

You can either claim your State Pension or delay (defer) claiming it.

If you want to defer, you don’t have to do anything. Your pension will automatically be deferred until you claim it.

Deferring your State Pension could increase the payments you get when you decide to claim it. Any extra payments you get from deferring could be taxed.

This guide is also available in Welsh (Cymraeg).

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.

  1. Step 1 Check when you can retire

  2. and Check how much pension you could get

  3. Step 2 Increase your pension

    You might be able to increase the amount you get if you delay your pension.

    1. You are currently viewing: Find out about delaying your pension

    For advice about increasing your workplace or private pension, speak to a financial adviser.

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  4. Step 3 Check what other financial support you could get

  5. Step 4 Decide when to retire