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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. It's based on your previous National Insurance contributions.

What types of State Pensions are there?

The new State Pension came into effect in 2016, replacing the basic State Pension which 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 the table below).

What State Pension would I claim?

Use our chart to find out which State Pension you should claim:

GenderDate of birthPension
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 2 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?

From Thursday 6 December 2018, you can no longer claim your State Pension at 65. Check when you'll receive your State Pension on GOV.UK.

Check your State Pension age

Use the government's State Pension calculator to find out your State Pension age.

You're 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.

Need to speak to someone?

If you need more information, you can contact the Age UK Advice Line on 0800 678 1602. We're here 8am to 7pm, every day of the year.

For pension advice, call MoneyHelper's pension helpline on 0800 011 3797.

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Last updated: Jan 04 2022

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