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State Pension gives you a regular income once you reach state pension age. It is based on National Insurance contributions and the amount you get depends on how much you paid in.
The age at which you can claim State Pension is changing. It is currently 65 for men. State Pension age for women is gradually increasing from 60 and will reach 65 by November 2018. State Pension age for both men and women will then increase to 66 by October 2020 and after that to at least 68.
The Government has also published a White Paper outlining proposals to introduce a flat-rate, single-tier State Pension
Find out how the new State Pension White Paper affects you
Under existing rules, the amount of State Pension you get depends on your National Insurance contributions, and sometimes those of your current or former spouse or civil partner.
You may have made contributions from your earnings or have been credited with them by the Government if you were caring for a child or disabled person.
As well as the Basic State Pension, you may get Additional State Pension or Graduated Retirement Benefit, which are based on the amount you earned when working (and therefore the amount you paid through National Insurance).
The State Pension increases every April. The current Government has promised to increase the basic pension by whichever is higher out of consumer price inflation, average earnings, or 2.5%. Increases in the Additional pension are usually based on consumer price inflation.
Use our pension calculator
For more information, download the following:
More money in your pocket (PDF 335KB)
IG28 Can I afford to retire? - January 2013 (PDF 820KB)
FS19 State Pension - December 2012 (PDF 530KB)
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Use our pension calculator to work out how to get ready for your retirement
The Directgov website provides provides details of state pensions‚ including forecasts and how to claim your pension.
An information guide that covers financial issues you should consider as you approach retirement, as well as how to find the right adviser.
A factsheet that discusses the State Pension and what you are entitled to once you reach retirement age.
A download is a document (like a research report, a leaflet, or an application form) that can be transferred from our website to your computer. You can download a file, view it on your screen, print it, or save it to your computer.
PDF stands for ‘portable document format’.
Most downloads on this website are PDFs. We use this format to ensure that the document looks the same on everyone’s computer (website pages, by contrast, appear differently depending on how people have set their computer up).
Computers use a program called Adobe Acrobat Reader to download PDFs. If you try clicking on a link to download a PDF and it doesn’t work, you will need to install Adobe Acrobat Reader onto your computer.
The process is quite straightforward and is free.
PDFs cannot be changed. If you need to be able to type into a downloaded document (for example, if we are offering a letter template that you need to put your name on) we will provide it as a Microsoft Word document rather than a PDF. You can then download it, type into it and save it to your computer.
Downloads will open on your computer in a new browser window.
Inside this window (below all your web browser menus), there will be a toolbar with options for you to print or save the document.
Close the browser window to return to the Age UK website.
We have made every effort to make our PDFs accessible to screen readers. Here is an overview of your accessibility options available in Acrobat Reader. Please ensure that you have downloaded the latest version of Acrobat Reader from the Adobe Reader website to ensure that they are included in your version of the programme.
You can use Adobe Reader to read a PDF out loud with the following shortcut keys:
You can also convert a PDF into a web page by following these steps:
You can convert a PDF document into a text file for use with other software and hardware such as Braille printers by opening the PDF and choosing ‘Save as text’ from the File menu.
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