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State Pension

The State Pension is based on National Insurance contributions and is paid when you reach pension age.

State Pension age is currently 65 for men and women. From December 2018, the State Pension age for both men and women will start to increase to reach 66 by October 2020. You can check your pension age by calling the Age NI Advice and Advocacy Service on freephone 0808 808 7575 or using the calculator at www.gov.uk/calculate-state-pension

There are different rules for State Pension depending on when you reach State Pension age.

  • If you reach State Pension age on or after 6 April 2016 there is a new system in place. Under the new system the full weekly amount will be given to people with at least 35 years National Insurance (NI) contributions or credits. It will be worth £164.35 per week, but you could get more or less than this depending on how many years of NI contributions you have.

Can I claim it?

  • You must have been credited with NI contributions throughout your working years. The amount you will receive depends on the number of years of contributions. Under the new system you need at least 10 years contributions to qualify.
  • You don’t have to claim your State Pension straight away. You can postpone claiming it – known as ‘deferring’ – and get a higher pension when you do. There are some benefits that might be affected if you defer. Seek advice if this is the case.

How do I claim?

Most older people are entitled to a pension however they still have  o make a claim for it. If you haven’t been contacted three months before you reach State Pension age, contact the Northern Ireland Pension Centre.

Age NI Advice Service

Every year our Advice Service deals with thousands of calls from older people in need. Call us today to make sure that you are receiving all the help and support available to you.

Call freephone 0808 808 7575
8am – 7pm 365 days a year

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All the information and advice we provide on the website is free and completely independent, as is our Advice Line that is open 365 days a year.

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Last updated: Sep 25 2018

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