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State Pension

The State Pension is a regular payment made to you by the government once you reach State Pension age. There are two types of State Pension and the one you receive will depend on your date of birth and gender. Both State Pensions are based on your previous National Insurance contribution record.


What types of State Pension are there?

In 2016, a New State Pension came into effect, replacing the Basic State Pension that existed before it. Which pension applies to you will depend on whether you reached State Pension age before the New State Pension came into force - see below.

The new State Pension 
 
The basic State Pension

What State Pension would I claim?

Use our chart to find out which state pension you should claim:

Gender

Date of birth

Pension

Female

Before 6 April 1953

Basic State Pension

Female

After 5 April 1953

New State Pension

Male

Before 6 April 1951

Basic State Pension

Male

After 5 April 1951

New State Pension


Why are there two State Pensions?

The New State Pension was introduced in 2016 to replace the Basic State Pension. To prevent confusion, those already qualified for the Basic State Pension continue to receive it, and only new claimants receive the New State Pension. Eventually the Basic State Pension will be phased out completely.


When will I reach State Pension age?

The State Pension age is currently 65 for men and women. This is increasing to reach 66 by October 2020. 

You are entitled to claim your State Pension when you reach State Pension age, but it will not be paid to you automatically. A few months before you reach State Pension age you will receive a letter with your options and you will have the choice to claim or to defer and receive higher payments in the future instead.


What should I do next?

For more information call Age Cymru Advice on 08000 223 444

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