Your State Pension

The Basic (Old) State Pension is a regular payment from the government that you can get if you reached State Pension age BEFORE 6 April 2016.

To get it you must have paid or been credited with National Insurance contributions.

The Basic State Pension increases every year by whichever is the highest of the following:

  • earnings - the average percentage growth in wages (in Great Britain)
  • prices - the percentage growth in prices in the UK as measured by the Consumer Prices Index (CPI)
  • 2.5%

If you reach pension age AFTER 6 April 2016 you will be able to claim the New State Pension i.e. If you are:

  • a man born on or after 6 April 1951
  • a woman born on or after 6 April 1953

The earliest you can get the New State Pension is when you reach State Pension age.

For further information about the important changes to your National insurance contributions and State Pension from April 2016 please download the HMRC Factsheet below:

HMRC Factsheet : Important Changes to Your National Insurance Contributions and State Pension from April 2016 (pdf)

Check Your State Pension Age

Your State Pension age is the earliest age you can start receiving your State Pension. It may be different to the age you can get a workplace or personal pension.

Your State Pension age is worked out based on your gender and date of birth.

You can check your State Pension age on the GOV.UK website.

You can keep working after you reach State Pension age. ‘Default retirement age’ (a forced retirement age of 65) no longer exists.

The State Pension age is under review and may change in the future.

Still have questions?

Raise a query by logging into the INTO Portal here.