State Pension

The State Pension is a regular payment you can get from the government when you reach a certain age.

The age you can get State Pension depends on when you were born. It is different for men and women:

  • The State Pension age for men is 65.
  • The State Pension age for women has been gradually rising and will reach 65 in 2018.

From 2019, the State Pension age for men and women will start increasing in stages. It will reach:

  • 66 by October 2020
  • 67 between 2026 and 2028.

You can check when you will reach State Pension age at gov.uk/state-pension-age or by calling the Future Pension Centre on 0800 731 0175, or use textphone 0800 731 0176.

The new State Pension

A new State Pension has been introduced for people who reach State Pension age after 6 April 2016.

You will need to have paid National Insurance (or got National Insurance credits) for at least 10 years to get any State Pension, but they do not need to be 10 years in a row.

To get the full rate of new State Pension, you will need to have paid National Insurance (or got National Insurance credits) for at least 35 years.

The full new State Pension pays £164.35 a week. The amount you can get depends on how many years you have paid National Insurance for. If you would have been entitled to more under the old State Pension, you may receive an additional amount. This is called a protected payment.

You do not have to claim the new State Pension as soon as you reach State Pension age. By choosing to claim later, you could get more money when you do claim.

For more information visit gov.uk.

Basic State Pension

If you reached State Pension age before 6 April 2016, there are two parts to the State Pension. They are the:

  • basic State Pension
  • additional State Pension.

To get the full basic State Pension, you need to have paid National Insurance (or got National Insurance credits) for at least 30 years. If you have paid less National Insurance than this, you may still be able to get some State Pension, but the amount will be lower.

The highest amount of basic State Pension you can get is £125.95 a week. Depending on how much National Insurance you have paid, you may be able to get more. This is known as Additional State Pension.

For more information visit gov.uk/state-pension

We have got more information about pensions, including private pensions.

Back to Benefits for people of pension age

Pension Credit

Pension Credit is a means-tested benefit for people who have reached the minimum age for State Pension.