Pensions from the government

The pension you get from the government (‘State Pension’) is based on your National Insurance record when you reach State Pension age.

You reached State Pension age before 6 April 2016

You need 30 years’ worth of National Insurance contributions to get the full basic State Pension. You may also qualify for some Additional State Pension.

You reach State Pension age on or after 6 April 2016

The amount of new State Pension you’ll get depends on your National Insurance record. National Insurance contributions or credits made before and after 6 April 2016 can count towards your new State Pension.

You’ll usually need at least 10 qualifying years of National Insurance contributions or credits to qualify for any State Pension.

Find out how much State Pension you could get and when you can get it. You can also find out how you might be able to increase the amount you get.

Getting more State Pension

Deferring your pension

When you reach State Pension age you have the option to defer your State Pension (delay payments). By doing this you’ll get more money for every year you defer.

Pension Credit

Pension Credit is for older people on a low income to make sure they get a minimum weekly amount. You’ll have to apply and all your sources of income (for example savings) will be checked to make sure you qualify. Getting Pension Credit may mean you’re eligible for other benefits too.

You’re over 80

People over 80 with little or no State Pension can apply for a payment of £85 per week from the government through the over 80 Pension. You cannot get the over 80 pension if you reach State Pension age on or after 6 April 2016.

  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. Find out about delaying your pension

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

    1. Find a financial adviser through Unbiased
  4. Step 3 Check what other financial support you could get

  5. Step 4 Decide when to retire