State Pension top up

Increase your State Pension and get a guaranteed extra income for life with State Pension top up.

You can get between £1 and £25 extra per week by applying to make a lump sum payment by 5 April 2017.

You must be entitled to the State Pension and be either:

  • a man born before 6 April 1951
  • a woman born before 6 April 1953

If you have gaps in your National Insurance record, it may be more cost effective to make voluntary contributions first.

Use the State Pension top up calculator to find out how much you’ll need to pay.


You need:

  • proof of your identity, eg your P60 or the last 4 digits of your bank account
  • your National Insurance number (if you know it)

You can also apply over the phone.

State Pension top up
Telephone: 0345 600 4270
Textphone: 0300 200 3519
Monday to Friday, 8am to 8pm
Saturday, 8am to 4pm
Find out about call charges

Welsh language
Telephone: 0300 200 1900
Monday to Friday, 8.30am to 5pm
Find out about call charges

Get a refund

There’s a 90 day ‘cooling off’ period - you can get a refund if you change your mind.

If you die

The contribution (minus any top up you’ve been paid) will be refunded to your estate if you die within 90 days of topping up.

If you die after 90 days, your contribution will only be refunded to your estate if you deferred taking your State Pension.

Further information

Find out more about:

  • the benefits of State Pension top up, including inheriting payments
  • whether it’s the best way of boosting your retirement income