{"id":110403,"date":"2018-05-30T09:37:08","date_gmt":"2018-05-30T08:37:08","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=110403"},"modified":"2026-05-11T05:34:46","modified_gmt":"2026-05-11T04:34:46","slug":"state-pension","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/pensions\/state-pension","title":{"rendered":"A guide to your state pension"},"content":{"rendered":"<p>Are you starting to plan for your retirement? If so then it\u2019s great to have all the facts when it comes to your state pension.<\/p><p>Here we explain everything you need to know about your state pension, how much you\u2019ll get, how to claim it and if it\u2019s possible to boost your earnings.<\/p><style type=\"text\/css\">\n    .survey-response {\n        overflow-x: auto;\n        max-width: 800px;\n    }\n\n    .survey-response .luna-table th,\n    .survey-response .luna-table td {\n        padding: 0.3rem 1rem calc(0.20rem + 1px);\n        font-size: 12px;\n        color: rgb(117, 117, 117);\n        text-align: left;\n    }\n\n    .survey-response .luna-table {\n        border: none;\n    }\n\n    .survey-response .row-color-icon {\n        width: 10px;\n        height: 10px;\n        display: inline-block;\n        margin-right: 4px;\n        border-radius: 2px;\n    }\n\n    .survey-response .source-container {\n        top: -12px !important;\n        position: relative;\n    }\n\n    .survey-response .source {\n        color: rgb(108, 120, 129);\n        font-size: 11px;\n    }\n\n    .survey-response .source-link {\n        color: rgb(2, 113, 225);\n        font-size: 11px;\n        text-decoration: underline;\n    }\n\n    @media (min-width: 600px) {\n        .survey-response .border-fix {\n            border-radius: 12px;\n            border: 1px solid var(--light-divider-normal, #E5E7EB);\n            background: var(--light-background-main, #FFF);\n            padding: 0px\n        }\n    }\n\n    .survey-response .chart-container {\n        min-height: 250px;\n        border-radius: 12px;\n        border: 1px solid var(--light-divider-normal, #E5E7EB);\n        background: var(--light-background-main, #FFF);\n        padding: 15px;\n    }\n\n    .google-visualization-tooltip {\n        pointer-events: none;\n    }\n\n    @media screen and (min-width: 960px) {\n        .survey-response.u-grid {\n            margin-left: auto;\n            display: flex;\n            justify-content: space-between;\n            margin-right: auto;\n        }\n\n        .u-grid__col.chart-container {\n            margin-left: 0 !important;\n            margin-right: 0 !important;\n        }\n    }\n\n    .survey-response .table-container {\n        overflow-x: auto;\n        max-width: 800px;\n        display: block;\n    }\n\n    @media screen and (max-width: 959px) {\n        .survey-response .table-container {\n            display: block;\n        }\n\n        .source-container {\n            margin-left: 2rem;\n            margin-right: 2rem;\n        }\n    }\n\n<\/style><h4>Finder survey: Do you understand how pensions work?<\/h4><div id=\"scale-surveys-10011-4170\" class=\"survey-response u-grid u-grid--gutterLarge\"><div id=\"view---noslice-\" class=\"u-grid__col u-1\/2@s u-1\/1 aligncenter size-full chart-container\"><\/div><style>\n\t\t\t#scale-surveys-10011-4170 text,\n\t\t\t#scale-surveys-10011-4170 svg text,\n\t\t\t#view---noslice- text,\n\t\t\t#view---noslice- svg text {\n\t\t\t\tfont-family: 'Modern Era', sans-serif !important;\n\t\t\t}\n\t\t<\/style><script type=\"text\/javascript\">\n\t\t\t\t(function() {\n\n\t\t\t\t\tvar packageToLoad = 'corechart';\n\t\t\t\t\tvar eventName = 'GoogleChartsLoaded-' + packageToLoad;\n\t\t\t\t\tvar event = new Event(eventName);\n\n\t\t\t\t\tdocument.addEventListener(eventName, function() {\n\t\t\t\t\tconsole.log('called event!', eventName);\n\n\t\t\t\t\tfunction drawChart() {\n\t\t\t\t\t\tvar chartType = 'pie';\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tvar data = google.visualization.arrayToDataTable([\n\t\t\t\t\t\t\t['Response', ''],\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t['Yes, to some extent', 50.58],\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t['No', 28.88],\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t['Yes, fully', 20.54],\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t]);\n\t\t\t\t\t\t\n\t\t\t\t\t\tvar options = {\n\t\t\t\t\t\t\tlegend: {\n\t\t\t\t\t\t\t\tposition: 'none'\n\t\t\t\t\t\t\t},\n\t\t\t\t\t\t\tcolors: ['#1D53FF', '#00B2FF', '#FFD23B', '#C3F53C', '#B469FF', '#FF73A9', '#1DD751', '#DB2420', '#E5F7FF', '#FFF9E5', '#EEF5DC', '#F2E5FF', '#FFE5EF']\n\t\t\t\t\t\t};\n\n\t\t\t\t\t\tvar chart;\n\t\t\t\t\t\t\t\t\t\t\t\tchart = new google.visualization.PieChart(document.getElementById('view---noslice-'));\n\t\t\t\t\t\t\/\/ Pie chart specific options can go here\n\t\t\t\t\t\toptions.chartArea = {width:'100%',height:'100%'};\n\t\t\t\t\t\t\n\t\t\t\t\t\tchart.draw(data, (chartType == 'pie') ? options : google.charts.Bar.convertOptions(options));\n\t\t\t\t\t}\n\t\t\t\t\t\tdrawChart();\n\t\t\t\t\t});\n\n\t\t\t\t\tfunction init() {\n\t\t\t\t\t\tconsole.log('calling init', eventName);\n\t\t\t\t\t\tif (typeof google !== 'undefined' && google.charts) {\n\t\t\t\t\t\t\tconsole.log('found charts', google, packageToLoad);\n\t\t\t\t\t\t\tgoogle.charts.load('current', {'packages':[packageToLoad]});\n\t\t\t\t\t\t\tgoogle.charts.setOnLoadCallback(function() {\n\t\t\t\t\t\t\t\tdocument.dispatchEvent(event);\n\t\t\t\t\t\t\t});\n\t\t\t\t\t\t} else {\n\t\t\t\t\t\t\tconsole.log('retrying');\n\t\t\t\t\t\t\tsetTimeout(init, 100);\n\t\t\t\t\t\t}\n\t\t\t\t\t}\n\t\t\t\t\tinit();\n\t\t\t\t})()\n\t\t\t<\/script><div class=\"u-grid__col u-1\/2@s  u-1\/1 aligncenter size-full border-fix table-container\"><table class=\"luna-table js-tablesorter tablesorter tablesorter-default\" role=\"grid\"><thead class=\"luna-table__header\"><tr><th>Response<\/th><th><\/th><\/tr><\/thead><tbody class=\"luna-table__body\" aria-live=\"polite\" aria-relevant=\"all\"><tr><td><span class=\"row-color-icon\" style=\"background-color: #1D53FF;\"><\/span> Yes, to some extent<\/td><td>50.58%<\/td><\/tr><tr><td><span class=\"row-color-icon\" style=\"background-color: #00B2FF;\"><\/span> No<\/td><td>28.88%<\/td><\/tr><tr><td><span class=\"row-color-icon\" style=\"background-color: #FFD23B;\"><\/span> Yes, fully<\/td><td>20.54%<\/td><\/tr><\/tbody><\/table><\/div><div class=\"u-grid__col u-1\/1 source-container\"><span class=\"source\">Source: Finder survey by Censuswide of  Brits, December 2023<\/span><\/div><\/div><h3 id=\"learn\">What is the state pension?<\/h3><p>The state pension is designed to pay you a wage in retirement. It\u2019s a weekly payment that varies depending on how long you\u2019ve worked and how much National Insurance (NI) you\u2019ve paid.<\/p><h3>Who is eligible for the state pension?<\/h3><p>The state pension is available if:<\/p><ul><li>You\u2019re over state pension age, currently 66 but gradually increasing to 68<\/li><li>You have at least 10 years of National Insurance contributions<\/li><\/ul><h3>How many years of National Insurance do I need for a state pension?<\/h3><p>You\u2019ll normally need at least 10 years of National Insurance contributions (NICs) to get some state pension and 35 years to get the full state pension.<\/p><p>You can also get National Insurance credits if you\u2019ve taken time out as a full-time carer or stay at home parent, or you\u2019ve had periods of unemployment. <a href=\"https:\/\/www.gov.uk\/national-insurance-credits\" target=\"_blank\" rel=\"noopener\">National Insurance credits<\/a> count as if you\u2019d paid National Insurance for that year and boost your state pension entitlement.<\/p><h3>How to pay National Insurance<\/h3><p>NI is collected automatically by your employer through the PAYE system. If you\u2019re self-employed you\u2019ll need to pay NI yourself through the self-assessment system.<\/p><p>You can also choose to pay top-up, or voluntary NICs to plug any NI gaps in the last 6 years.<\/p><h3>How much state pension payment do I get each week?<\/h3><p>The full state pension is currently \u00a3221.20 per week, but you might receive less if you\u2019ve got gaps in your NICs .<\/p><h3>Can I use child benefit to boost the state pension?<\/h3><p>If you claim child benefit for a child under 12 years old then you will automatically get a NI credit for every year you claimed child benefit. And NI credits count as if you\u2019d paid NI that year, so it can boost your state pension.<\/p><p>It\u2019s important to still claim child benefit even if your partner earns over \u00a350,000 because it will increase your number of qualifying years for the state pension.<\/p><h3>How is the state pension calculated?<\/h3><p>The state pension is calculated based on your qualifying years \u2013 that means years when you\u2019ve paid NICs or got a NI credit.<\/p><p>It\u2019s calculated like this:<\/p><ul><li>Full pension of \u00a3221.20 divided by 35 = \u00a36.32 (entitlement per qualifying year)<\/li><li>\u00a36.32 multiplied by your qualifying years<\/li><\/ul><p>Here are some examples:<\/p><ul><li>Sasha worked and paid National Insurance for 40 years. She has over 35 years of National Insurance contributions so will get a full state pension.<\/li><li>Andre was self-employed for 10 years; he took a 10-year career break and claimed child benefit; then he worked for another 15 years before retiring. He only contributed 25 years of National Insurance payments, but because he claimed child benefit he has 10 years of National Insurance credits. He can claim the full state pension.<\/li><\/ul><h3>What is a National Insurance credit?<\/h3><p>National Insurance credits allow you to build up your state pension entitlement when you can\u2019t work. You can get them if you claim certain benefits including:<\/p><ul><li>Child benefit for a child under 12<\/li><li>Jobseeker\u2019s allowance<\/li><li>Carer\u2019s allowance<\/li><\/ul><h3>What changed in April 2016?<\/h3><p>In April 2016 the way state pensions are calculated changed, simplifying the system. There is now one full state pension instead of separate basic and additional state pensions.<\/p><p>If you retired before April 2016 then the amount you\u2019ll get is based on the old rules. If you retire after April 2016 your state pension will be based on the new system (you may get slightly more if you\u2019ve built up additional state pension entitlement under the old system).<\/p><p>Here\u2019s a summary of the main changes:<\/p><table class=\"luna-table\"><thead class=\"luna-table__header\"><tr><th> <\/th><th>Old rules<\/th><th>New rules<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><th>When do they apply?<\/th><td>Retiring before 6 April 2016<\/td><td>Retiring on or after 6 April 2016<\/td><\/tr><tr><th>How many qualifying years?<\/th><td>Between 30 years and 44 years depending on when you retired<\/td><td>35 years to receive a full pension of \u00a3221.20 per week<\/td><\/tr><tr><th>Full state pension<\/th><td>No, you will receive either basic state pension or basic and additional state pension<\/td><td>Yes, if you have 35 qualifying years<\/td><\/tr><tr><th>Basic state pension<\/th><td>Yes, you will receive \u00a3169.50 per week if you have enough qualifying years<\/td><td>No<\/td><\/tr><tr><th>Additional state pension<\/th><td>Yes, if you contributed to a state second pension, state earning related pension scheme or state pension top up before 5 April 2017. The amount varies depending on your circumstances<\/td><td>No, but you may get slightly more pension if you\u2019ve built up entitlement to additional state pension before April 2016<\/td><\/tr><\/tbody><\/table><h3>When can I access state pension?<\/h3><p>You\u2019ll start getting state pension when you reach state pension age, which is currently 66 years old.<\/p><h3 id=\"current-age\">What is the current state pension age?<\/h3><p>The current state pension age is 66 for both women and men. The state pension age is increasing to between 67 and 68 if you\u2019re born after 5 April 1960.<\/p><h3>Is the state pension taxed?<\/h3><p>State pension is taxed in the same way as other income. You will still get a tax-free personal allowance (currently \u00a312,570) and anything over this is taxed at 20%.<\/p><h3>How do I claim the state pension?<\/h3><p>You need to claim state pension as you won\u2019t get it automatically. You will get a letter 2 months before you reach state pension age explaining what to do next.<\/p><p>You can claim your state pension online, by phoning up for a form or by printing out a form from the government website.<\/p><h3>Can I claim the state pension early? If so, what\u2019s the effect of doing that?<\/h3><p>You can claim state pension up to 4 months before you reach state pension age but you won\u2019t receive it until you reach state pension age.<\/p><h3>What is a state pension forecast?<\/h3><p>A state pension forecast sets out how much state pension you might get when you retire. You can apply for a forecast through the government website. You can also apply by printing off a form and posting it, or applying over the phone.<\/p><p>Here\u2019s a summary of what the state pension forecast will show and what to do if there\u2019s a mistake.<\/p><table class=\"luna-table\"><thead class=\"luna-table__header\"><tr><th>What the forecast shows<\/th><th>What to check for<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><th>How much state pension you could get<\/th><td>This is an estimate so may not be completely accurate<\/td><\/tr><tr><th>Your qualifying years of National Insurance contributions or credits<\/th><td>Check to see if you could claim extra National Insurance credits. Not all credits are added automatically<\/td><\/tr><tr><th>What age you will get state pension<\/th><td>State pension ages are gradually increasing from 66 to 68<\/td><\/tr><tr><th>How to increase it<\/th><td>You might be able to pay voluntary National Insurance contributions<\/td><\/tr><\/tbody><\/table><h3>How can I boost my state pension?<\/h3><p>If you don\u2019t have 35 qualifying years, you may be able to boost your state pension by paying voluntary National Insurance contributions. It costs between \u00a3156 and \u00a3800 in National Insurance voluntary contributions to buy an extra qualifying year but you could get \u00a3267 extra per year in state pension. You need to act quickly as you can usually only pay voluntary contributions relating to the last 6 years.<\/p><p>You can also boost your state pension by deferring it. It can be a great deal because your pension will increase 1% for every 9 weeks you defer. The extra amount is paid once you apply for your state pension.<\/p><p>If you\u2019re over state pension age and on a low income you may be able to apply for pension credit. 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<div class=\"eeQuote__content\">\n                                    <div class=\"eeQuote__heading\">Our expert says: What do I need to know when planning my retirement?<\/div>\n                                <div class=\"eeQuote__quote\">\n                    <p>\"When you\u2019re planning for retirement there are 3 things you need to know about your state pension \u2013 how much to expect, when you\u2019ll get it and how you can boost your earnings.<\/p><p>That\u2019s why I\u2019d recommend getting a state pension forecast. It\u2019s the best way to find out where you stand. You\u2019ll see how much you might receive and your predicted state pension age. You\u2019ll also be able to spot any mistakes in your National Insurance record and make sure they\u2019re sorted out well ahead of time.<\/p><p>If your forecast shows you\u2019ve got gaps in your National Insurance record then think about boosting your state pension with voluntary contributions. It\u2019s a great deal because 1 extra year in National Insurance contributions can turn into \u00a35,000 over the course of your retirement.\"<\/p>\n\n                <\/div>\n            <\/div>\n\n                            <div class=\"eeQuote__authorInfo\">\n                                            <div class=\"eeQuote__authorPhoto--mobile\">\n                            <figure class=\"eeQuote__photo\">\n                                <img decoding=\"async\" alt=\"Zoe Stabler DipFA's headshot\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/11\/ZoeStablerF1_Finder_600x600.png\" class=\"avatar avatar-200 photo finder-avatar\" height=\"200\" width=\"200\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/11\/ZoeStablerF1_Finder_600x600.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/11\/ZoeStablerF1_Finder_600x600.png?fit=360 360w, 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class=\"eeQuote__authorDetails\">\n                                                    <a class=\"eeQuote__authorName\" href=\"https:\/\/www.finder.com\/uk\/author\/zoestabler\" itemprop=\"url\" target=\"_blank\">\n                                Zoe Stabler DipFA\n                            <\/a>\n                                                                            <div class=\"eeQuote__authorTitle\">Senior writer<\/div>\n                                            <\/div>\n                <\/div>\n                    <\/div>\n    <\/div>\n<\/div>\n<h3>Bottom line<\/h3><p>If you\u2019ve worked for 35 years or more you will probably get the full state pension of \u00a3221.20 per week from the state pension age, which is currently 66. But watch out, because the state pension age is gradually increasing to 68.<\/p><p>It makes sense to get a state pension forecast to see where you stand. Then you can plan for retirement knowing how much state pension to expect.<\/p><h3 id=\"faqs\">Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">Why did the state pension system change? <\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Over the last few years the state pension system has changed to simplify the rules, equalise the rules between men and women and to increase the state pension age. The government made the changes because they couldn\u2019t afford the pension bill: people are living and claiming state pension for longer.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">If I've got more than 35 qualifying NI years, will I get more than the full state pension?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>You won\u2019t get any more state pension if you have more than 35 qualifying years.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">How does the state pension work if I'm self-employed?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>If you\u2019re self-employed, your state pension is still based on your National Insurance contributions.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000003\" data-toggle=\"collapse\" data-target=\"#accordion0000000003\">\n        <span class=\"luna-accordion__title\">Can I inherit my spouse's pension if they die? <\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000003\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>You might be able to inherit some of your partner\u2019s pension if you were married before 6 April 2016, your partner died before 6 April 2016 and they hadn\u2019t yet reached state pension age.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000004\" data-toggle=\"collapse\" data-target=\"#accordion0000000004\">\n        <span class=\"luna-accordion__title\">What happens to my state pension if I'm transgender? <\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000004\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>If you\u2019re transgender then you may be treated according to your acquired gender for state pension purposes, depending on certain conditions. Transgender women born on or before 6 November 1953 may be entitled to receive state pension earlier than men. This is because women this age received their pension earlier than men.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000005\" data-toggle=\"collapse\" data-target=\"#accordion0000000005\">\n        <span class=\"luna-accordion__title\">Will my state pension payouts rise with inflation?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000005\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>State pension rises are decided each year by the government. The current government has pledged to raise the state pension by at least inflation, but this isn\u2019t guaranteed and could change in the future.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000006\" data-toggle=\"collapse\" data-target=\"#accordion0000000006\">\n        <span class=\"luna-accordion__title\">When I've claimed my state pension, when will I receive it?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000006\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>You\u2019ll usually get your state pension within 5 weeks of reaching the state pension age.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000007\" data-toggle=\"collapse\" data-target=\"#accordion0000000007\">\n        <span class=\"luna-accordion__title\">Does everyone get a state pension?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000007\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Not everyone gets a state pension as it is based on your UK National Insurance contributions. You\u2019ll need to have contributions of at least 10 years to receive a state pension.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000008\" data-toggle=\"collapse\" data-target=\"#accordion0000000008\">\n        <span class=\"luna-accordion__title\">Do unmarried couples get separate state pensions?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000008\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>State pension is based on your individual National Insurance contributions so couples will get separate state pensions.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000009\" data-toggle=\"collapse\" data-target=\"#accordion0000000009\">\n        <span class=\"luna-accordion__title\">How much is state pension for a couple?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000009\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Full state pension for a couple is currently \u00a3442.40 (\u00a3221.20 x 2).<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000010\" data-toggle=\"collapse\" data-target=\"#accordion0000000010\">\n        <span class=\"luna-accordion__title\">Can the state pension be backdated?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000010\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>State pension can be backdated for up to 12 months from the time you reach state pension age. If you apply more than 12 months after you reach state pension age you\u2019ll be treated as if you deferred your pension.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000011\" data-toggle=\"collapse\" data-target=\"#accordion0000000011\">\n        <span class=\"luna-accordion__title\">Is the state pension different for women? <\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000011\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>The state pension rules have changed to equalise the rules between women and men. State pension age is now 66 for both women and men. State pension is now based entirely on your own contributions rather than contributions of a partner.<\/p><p>Until 2018, women could claim state pension earlier than men. Older rules also allowed married women to claim an enhanced rate of state pension based on their partner\u2019s National Insurance contributions.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000012\" data-toggle=\"collapse\" data-target=\"#accordion0000000012\">\n        <span class=\"luna-accordion__title\">Can the state pension be claimed abroad?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000012\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>You can claim a UK state pension if you live abroad and you\u2019ve paid enough UK National Insurance contributions.<\/p><\/div>\n  <\/div>\n<\/li><\/ul><style type=\"text\/css\">\n    .survey-response {\n        overflow-x: auto;\n        max-width: 800px;\n    }\n\n    .survey-response .luna-table th,\n    .survey-response .luna-table td {\n        padding: 0.3rem 1rem calc(0.20rem + 1px);\n        font-size: 12px;\n        color: rgb(117, 117, 117);\n        text-align: left;\n    }\n\n    .survey-response .luna-table {\n        border: none;\n    }\n\n    .survey-response .row-color-icon {\n        width: 10px;\n        height: 10px;\n        display: inline-block;\n        margin-right: 4px;\n        border-radius: 2px;\n    }\n\n    .survey-response .source-container {\n        top: -12px !important;\n        position: relative;\n    }\n\n    .survey-response .source {\n        color: rgb(108, 120, 129);\n        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Midlands<\/th><th><span class=\"row-color-icon\" style=\"background-color: #FFD23B;\"><\/span>Wales<\/th><th><span class=\"row-color-icon\" style=\"background-color: #C3F53C;\"><\/span>South West<\/th><th><span class=\"row-color-icon\" style=\"background-color: #B469FF;\"><\/span>South East<\/th><th><span class=\"row-color-icon\" style=\"background-color: #FF73A9;\"><\/span>Scotland<\/th><th><span class=\"row-color-icon\" style=\"background-color: #1DD751;\"><\/span>Northern Ireland<\/th><th><span class=\"row-color-icon\" style=\"background-color: #DB2420;\"><\/span>North West<\/th><th><span class=\"row-color-icon\" style=\"background-color: #E5F7FF;\"><\/span>North East<\/th><th><span class=\"row-color-icon\" style=\"background-color: #FFF9E5;\"><\/span>Greater London<\/th><th><span class=\"row-color-icon\" style=\"background-color: #EEF5DC;\"><\/span>East of England<\/th><th><span class=\"row-color-icon\" style=\"background-color: #F2E5FF;\"><\/span>East Midlands<\/th><\/tr><\/thead><tbody class=\"luna-table__body\" aria-live=\"polite\" aria-relevant=\"all\"><tr><td>Not sure<\/td><td>50.59%<\/td><td>41.74%<\/td><td>48.48%<\/td><td>55.07%<\/td><td>48.34%<\/td><td>39.47%<\/td><td>37.5%<\/td><td>44.63%<\/td><td>47.62%<\/td><td>37.96%<\/td><td>39.08%<\/td><td>42.05%<\/td><\/tr><tr><td>No<\/td><td>23.53%<\/td><td>26.09%<\/td><td>24.24%<\/td><td>27.54%<\/td><td>25.17%<\/td><td>21.05%<\/td><td>33.33%<\/td><td>26.45%<\/td><td>28.57%<\/td><td>26.85%<\/td><td>26.44%<\/td><td>30.68%<\/td><\/tr><tr><td>Yes<\/td><td>17.65%<\/td><td>25.22%<\/td><td>22.73%<\/td><td>17.39%<\/td><td>21.85%<\/td><td>36.84%<\/td><td>20.83%<\/td><td>23.14%<\/td><td>16.67%<\/td><td>27.78%<\/td><td>27.59%<\/td><td>20.45%<\/td><\/tr><tr><td>Prefer not to say<\/td><td>8.24%<\/td><td>6.96%<\/td><td>4.55%<\/td><td><\/td><td>4.64%<\/td><td>2.63%<\/td><td>8.33%<\/td><td>5.79%<\/td><td>7.14%<\/td><td>7.41%<\/td><td>6.9%<\/td><td>6.82%<\/td><\/tr><\/tbody><\/table><\/div><div class=\"source-container\"><span class=\"source\">Source: Finder survey by Censuswide of 1032 Brits, December 2023            <\/span><\/div><\/div><div id=\"sources\" style=\"position: relative;\"><h3 style=\"position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;\">Sources<\/h3>\n<div id=\"lazy0000000000\"><\/div>\n<script type=\"application\/json\" id=\"lazyloaded-assets-json-lazy0000000000\" class=\"lazyloaded-assets-json\">{\"critical-scripts\":[],\"scripts\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.de087a0da9824e407767.js\"],\"styles\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.87684078d471e76125dd.css\"]}<\/script><\/div><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">Pensions are long-term investments. You may get back less than you originally paid in because your capital is not guaranteed and charges may apply. Keep in mind that the tax treatment of your pension and investments will depend on your individual circumstances and may change in the future. Capital at risk.<\/div><\/article><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms \"best\", \"top\", \"cheap\" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>Use our simple guide to understand how much state pension to expect, how it\u2019s calculated and if you can boost it.<\/p>\n","protected":false},"author":1223,"featured_media":110448,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_focuskw":"State Pension guide","_yoast_wpseo_title":"A simple guide to all you need to know about your state pension.","_yoast_wpseo_metadesc":"We walk through what you need to know about your state pension including state pension age, how much you can claim and how you can go about topping up your 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13:10:44\",\"timezone_offset\":\" +00:00\",\"last_update_summary\":\"We updated the state pension figures for how much you receive. \"}","_last_major_update":"","_search_priority":0,"feature_finder_bot_teaser_enabled":false,"feature_finder_bot_teaser_message":"","feature_finder_bot_teaser_placeholder":"","feature_finder_bot_teaser_suggestions":"","footnotes":""},"categories":[2651],"tags":[],"asset_tag":[],"class_list":["post-110403","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pensions"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>A simple guide to all you need to know about your state pension.<\/title>\n<meta name=\"description\" content=\"We walk through what you need to know about your state pension including state pension age, how much you can claim and how you can go about topping 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