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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 and which State Pension rules apply to you.

Which State Pension rules apply?

Which State Pension rules apply depends on when you reached State Pension age. If you decide to defer taking your State Pension, this will not affect which State Pension rules apply. For people who reached State Pension age before 6th April 2016, the old State Pension rules apply. For people who reached State Pension age on or after 6th April 2016, the new State Pension rules apply. 

How much is the State Pension?

How much State Pension you can get depends on a variety of factors including whether you fall under the new or old State Pension rules, your personal circumstances and your National Insurance contributions.

For people who fall under the new State Pension rules, the maximum amount they will receive for 2017 to 2018 is £159.35 a week although they may receive less if they have less than 35 years of National Insurance Contributions or Credits. 

For people who fall under the old State Pension rules, the full Basic State Pension for 2017 to 2018 is £122.30 however they may receive less if they have not paid enough National Insurance contributions or they may receive more if they are also entitled to any Additional State Pension.

When can I claim my pension?

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

Use our pension calculator to find out when you qualify

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.

How do I claim my State Pension?

You won’t normally receive your State Pension automatically on reaching pension age. You need to make a claim which you can do at GOV.UK. If you haven’t been contacted about claiming your state pension by three months before you are due to reach pension age, call the Pension Service claim line on 0800 731 7898.

You can claim your State Pension even if you decide to continue working past State Pension age.

You can postpone claiming your State Pension, known as ‘deferring’, and get a higher pension or a lump sum when you do claim.

For more information, download the following:

IG53: State Pension

L53w: More money in your pocket (PDF 569KB)L53w: Mwy o arian yn eich poced (PDF 583KB)

FS19: State Pension


For more information: Call Age Cymru Advice 08000 223 444

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