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 resulted in the State Pension age for women rising to 65. By October 2020, the State Pension age for both men and woman will have risen to age 66. In the future it will rise again to 67 and then 68. 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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