State Pension top up

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

This scheme closes on 5 April 2017.

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.

Apply

You need:

  • proof of your identity, for example 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

When to make your payment

If you apply before 6 March 2017, your payment must be received by 5 April 2017.

If you apply between 6 March and 5 April, you’ll have 30 days to make your payment. This period begins on the day HM Revenue and Customs sends you your payment pack.

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.

Your first payment

You’ll start getting State Pension top up from the date of your first State Pension payment after your lump sum contribution has been received.

Top up payment increases

Top up payments are linked to changes in the Consumer Price Index.

Tax

State Pension top up payments are taxable as income, so check how much you would receive after tax.

If you’ve deferred your State Pension

You can still apply for State Pension top up if you’ve deferred your State Pension. You won’t get your State Pension top up income until you claim your State Pension.

Inheriting top up payments

In most cases, your spouse or civil partner can inherit between 50% and 100% of the State Pension top up payment. The rules are similar to those for inheriting Additional 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