What’s the State Pension?

The State Pension is designed to ensure that everyone has a basic amount of income to support them in their old age and can generally be claimed when people reach State Pension age. A new State Pension came into effect from 6 April 2016 and if you’ve reached your State Pension age on or after this date, this will affect you. To get the full State Pension, currently you need to have 35 years’ worth of National Insurance contributions or credits. If you don’t have the full 35 years, you’ll get a pro-rata amount provided you meet the new 10 year minimum qualifying period. The State Pension ages have been undergoing radical changes since April 2010. These changes result in the State Pension age rising to 65 for women between 2010 and 2018, and then to 66, 67 and 68 for both men and women. There are plans to change State Pension ages further.  To find your State Pension age please click here and follow the instructions on the page.

If you reached State Pension age before 6 April 2016, please click here for details.

If you’re entitled to a State Pension the amount you’ll receive may not be enough for you to live on. This is why it’s important to make your own pension provision.

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