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class="gem-c-contents-list__list-item gem-c-contents-list__list-item--dashed gem-c-contents-list__list-item--active" aria-current="true"> Who gets the basic State Pension </li> <li class="gem-c-contents-list__list-item gem-c-contents-list__list-item--dashed"> <a class="gem-c-contents-list__link govuk-link" data-track-category="contentsClicked" data-track-action="content_item 2" data-track-label="/state-pension/how-much-you-get" data-track-options="{"dimension29":"How much you get"}" href="/web/20230307194539/https://www.gov.uk/state-pension/how-much-you-get">How much you get</a> </li> <li class="gem-c-contents-list__list-item gem-c-contents-list__list-item--dashed"> <a class="gem-c-contents-list__link govuk-link" data-track-category="contentsClicked" data-track-action="content_item 3" data-track-label="/state-pension/when-youre-paid" data-track-options="{"dimension29":"When you're paid"}" href="/web/20230307194539/https://www.gov.uk/state-pension/when-youre-paid">When you're paid</a> </li> <li class="gem-c-contents-list__list-item gem-c-contents-list__list-item--dashed"> <a class="gem-c-contents-list__link govuk-link" data-track-category="contentsClicked" data-track-action="content_item 4" data-track-label="/state-pension/claim-a-delayed-deferred-state-pension" data-track-options="{"dimension29":"Claim a delayed (deferred) State Pension"}" href="/web/20230307194539/https://www.gov.uk/state-pension/claim-a-delayed-deferred-state-pension">Claim a delayed (deferred) State Pension</a> </li> <li class="gem-c-contents-list__list-item gem-c-contents-list__list-item--dashed"> <a class="gem-c-contents-list__link govuk-link" data-track-category="contentsClicked" data-track-action="content_item 5" data-track-label="/state-pension/inheritance-spouse-civil-partner" data-track-options="{"dimension29":"Increasing or inheriting State Pension from your spouse or civil partner"}" href="/web/20230307194539/https://www.gov.uk/state-pension/inheritance-spouse-civil-partner">Increasing or inheriting State Pension from your spouse or civil partner</a> </li> <li class="gem-c-contents-list__list-item gem-c-contents-list__list-item--dashed"> <a class="gem-c-contents-list__link govuk-link" data-track-category="contentsClicked" data-track-action="content_item 6" data-track-label="/state-pension/circumstances-change" data-track-options="{"dimension29":"Change of circumstances"}" href="/web/20230307194539/https://www.gov.uk/state-pension/circumstances-change">Change of circumstances</a> </li> </ol> </nav> </aside> </div> <div class="govuk-grid-column-two-thirds" id="guide-contents"> <h1 class="part-title"> Who gets the basic State Pension </h1> <div class="gem-c-govspeak govuk-govspeak direction-ltr disable-youtube" data-module="govspeak"> <p>Everyone eligible for the basic State Pension has now reached <a href="/web/20230307194539/https://www.gov.uk/state-pension-age">State Pension age</a>. To get it you need to have enough National Insurance qualifying years.</p> <p>You also need to be either a:</p> <ul> <li> <p>man born before 6 April 1951</p> </li> <li> <p>woman born before 6 April 1953</p> </li> </ul> <p>If you were born on or after these dates, you鈥檒l claim the <a href="/web/20230307194539/https://www.gov.uk/new-state-pension">new State Pension</a> instead.</p> <p>You will have already claimed your basic State Pension unless you <a href="/web/20230307194539/https://www.gov.uk/state-pension/claim-a-delayed-deferred-state-pension">delayed (deferred) your State Pension</a>.</p> <div role="note" aria-label="Information" class="application-notice info-notice"> <p>This guide is also available <a href="/web/20230307194539/https://www.gov.uk/pensiwn-sylfaenol-y-wladwriaeth">in Welsh (Cymraeg)</a>.</p> </div> <h2 id="your-national-insurance-qualifying-years">Your National Insurance qualifying years</h2> <p>A National Insurance qualifying year is one in which you did one or more of the following:</p> <ul> <li> <p>worked and paid <a href="/web/20230307194539/https://www.gov.uk/national-insurance">National Insurance</a></p> </li> <li> <p>got <a href="/web/20230307194539/https://www.gov.uk/national-insurance-credits">National Insurance Credits</a>, for example you were unemployed, sick, or a parent or carer</p> </li> <li> <p>paid <a href="/web/20230307194539/https://www.gov.uk/voluntary-national-insurance-contributions">voluntary National Insurance contributions</a></p> </li> </ul> <h3 id="number-of-qualifying-years-you-need">Number of qualifying years you need</h3> <p>The number of National Insurance qualifying years you need to get any basic State Pension depends on your circumstances.</p> <p>If you鈥檙e a man you usually need:</p> <ul> <li>1 qualifying year if you were born between 1945 and 1951</li> <li>11 qualifying years if you were born before 1945</li> </ul> <p>If you鈥檙e a woman you usually need:</p> <ul> <li>1 qualifying year if you were born between 1950 and 1953</li> <li>10 qualifying years if were born before 1950</li> </ul> <p>You might still be eligible if you have fewer qualifying years. To check, contact the <a href="/web/20230307194539/https://www.gov.uk/contact-pension-service">Pension Service</a> or the <a href="/web/20230307194539/https://www.gov.uk/international-pension-centre">International Pension Centre</a> if you live abroad.</p> <p>The number of qualifying years of National Insurance contributions you have affects <a href="/web/20230307194539/https://www.gov.uk/state-pension/how-much-you-get">the amount of State Pension you鈥檒l get</a>.</p> <h2 id="if-youre-married-or-in-a-civil-partnership">If you鈥檙e married or in a civil partnership</h2> <p>You might be able to <a href="/web/20230307194539/https://www.gov.uk/state-pension/inheritance-spouse-civil-partner">increase or inherit State Pension if you have had a spouse or civil partner</a>.</p> <p>You might be able to increase your State Pension if either:</p> <ul> <li>you鈥檙e not eligible for the basic State Pension</li> <li>your basic State Pension is less than 拢85 per week</li> </ul> <p>You might be able to inherit State Pension from your spouse or civil partner if either:</p> <ul> <li>you鈥檙e not eligible for the basic State Pension</li> <li>your basic State Pension is less than 拢141.85 per week</li> </ul> <h2 id="if-youre-transgender">If you鈥檙e transgender</h2> <p>Your State Pension might be affected if you鈥檙e a transgender person and you:</p> <ul> <li> <p>were born between 24 December 1919 and 3 April 1945</p> </li> <li> <p>have claimed State Pension before 4 April 2005</p> </li> <li> <p>can provide evidence that your gender reassignment surgery took place before 4 April 2005</p> </li> </ul> <p><a href="/web/20230307194539/https://www.gov.uk/government/publications/transgender-people-equal-treatment-for-state-pension">Find out more and contact the Gender Recognition team</a>.</p> <div role="note" aria-label="Information" class="application-notice info-notice"> <p>You do not need to do anything if you <a href="/web/20230307194539/https://www.gov.uk/apply-gender-recognition-certificate/changing-your-gender">legally changed your gender</a> and started claiming State Pension on or after 4 April 2005 - you鈥檒l already be claiming based on your legal gender.</p> </div> <h2 id="if-you-do-not-qualify-for-a-state-pension">If you do not qualify for a State Pension</h2> <p>You might be eligible for <a href="/web/20230307194539/https://www.gov.uk/pension-credit">Pension Credit</a> or <a href="/web/20230307194539/https://www.gov.uk/cost-of-living">other benefits and financial support</a>.</p> </div> <nav class="govuk-pagination govuk-pagination--block" role="navigation" aria-label="Pagination"> <div class="govuk-pagination__next"> <a class="govuk-link govuk-pagination__link" href="/web/20230307194539/https://www.gov.uk/state-pension/how-much-you-get" rel="next" data-track-category="contentsClicked" data-track-action="next" data-track-label="/state-pension/how-much-you-get" 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State Pension", "datePublished": "2012-01-24T14:31:47.000+00:00", "dateModified": "2015-03-17T18:23:25.000+00:00", "text": "How to claim the basic State Pension and how it's calculated - for men born before 6 April 1951 and women born before 6 April 1953.", "publisher": { "@type": "Organization", "name": "GOV.UK", "url": "http://web.archive.org/web/20230307194539/https://www.gov.uk", "logo": { "@type": "ImageObject", "url": "http://web.archive.org/web/20230307194539/https://www.gov.uk/assets/government-frontend/govuk_publishing_components/govuk-logo-73b5a4056ffe9988d02c728b56fe9fe7f90bb822322a5f6183ccbb92a99b019a.png" } }, "image": [ "http://web.archive.org/web/20230307194539/https://www.gov.uk/assets/government-frontend/govuk_publishing_components/govuk-schema-placeholder-1x1-bf9e64d759af6dfd93bede8168f3087a329f405b382aff36747db0db4b7b23e9.png", "http://web.archive.org/web/20230307194539/https://www.gov.uk/assets/government-frontend/govuk_publishing_components/govuk-schema-placeholder-4x3-13093f053c15f613acd827aff27cac83d3fab452947cbcae4c7b706dadf2f7f2.png", "http://web.archive.org/web/20230307194539/https://www.gov.uk/assets/government-frontend/govuk_publishing_components/govuk-schema-placeholder-16x9-4233cd42671827e266e284c4d5ae68fb600bd9f9e35dda663ccabbc2b6ab7ec3.png" ], "author": { "@type": "Organization", "name": "Government Digital Service", "url": "http://web.archive.org/web/20230307194539/https://www.gov.uk/government/organisations/government-digital-service" }, "about": [ { "@context": "http://web.archive.org/web/20230307194539/http://schema.org", "@type": "Thing", "sameAs": "http://web.archive.org/web/20230307194539/https://www.gov.uk/employment/working-state-pension" } ], "headLine": "The basic State Pension", "description": "How to claim the basic State Pension and how it's calculated - for men born before 6 April 1951 and women born before 6 April 1953.", "articleBody": "\u003cp\u003eEveryone eligible for the basic State Pension has now reached \u003ca href=\"/state-pension-age\"\u003eState Pension age\u003c/a\u003e. To get it you need to have enough National Insurance qualifying years.\u003c/p\u003e\n\n\u003cp\u003eYou also need to be either a:\u003c/p\u003e\n\n\u003cul\u003e\n \u003cli\u003e\n \u003cp\u003eman born before 6 April 1951\u003c/p\u003e\n \u003c/li\u003e\n \u003cli\u003e\n \u003cp\u003ewoman born before 6 April 1953\u003c/p\u003e\n \u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003eIf you were born on or after these dates, you鈥檒l claim the \u003ca href=\"/new-state-pension\"\u003enew State Pension\u003c/a\u003e instead.\u003c/p\u003e\n\n\u003cp\u003eYou will have already claimed your basic State Pension unless you \u003ca href=\"/state-pension/claim-a-delayed-deferred-state-pension\"\u003edelayed (deferred) your State Pension\u003c/a\u003e.\u003c/p\u003e\n\n\u003cdiv role=\"note\" aria-label=\"Information\" class=\"application-notice info-notice\"\u003e\n\u003cp\u003eThis guide is also available \u003ca href=\"/pensiwn-sylfaenol-y-wladwriaeth\"\u003ein Welsh (Cymraeg)\u003c/a\u003e.\u003c/p\u003e\n\u003c/div\u003e\n\n\u003ch2 id=\"your-national-insurance-qualifying-years\"\u003eYour National Insurance qualifying years\u003c/h2\u003e\n\n\u003cp\u003eA National Insurance qualifying year is one in which you did one or more of the following:\u003c/p\u003e\n\n\u003cul\u003e\n \u003cli\u003e\n \u003cp\u003eworked and paid \u003ca href=\"/national-insurance\"\u003eNational Insurance\u003c/a\u003e\u003c/p\u003e\n \u003c/li\u003e\n \u003cli\u003e\n \u003cp\u003egot \u003ca href=\"/national-insurance-credits\"\u003eNational Insurance Credits\u003c/a\u003e, for example you were unemployed, sick, or a parent or carer\u003c/p\u003e\n \u003c/li\u003e\n \u003cli\u003e\n \u003cp\u003epaid \u003ca href=\"/voluntary-national-insurance-contributions\"\u003evoluntary National Insurance contributions\u003c/a\u003e\u003c/p\u003e\n \u003c/li\u003e\n\u003c/ul\u003e\n\n\u003ch3 id=\"number-of-qualifying-years-you-need\"\u003eNumber of qualifying years you need\u003c/h3\u003e\n\n\u003cp\u003eThe number of National Insurance qualifying years you need to get any basic State Pension depends on your circumstances.\u003c/p\u003e\n\n\u003cp\u003eIf you鈥檙e a man you usually need:\u003c/p\u003e\n\n\u003cul\u003e\n \u003cli\u003e1 qualifying year if you were born between 1945 and 1951\u003c/li\u003e\n \u003cli\u003e11 qualifying years if you were born before 1945\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003eIf you鈥檙e a woman you usually need:\u003c/p\u003e\n\n\u003cul\u003e\n \u003cli\u003e1 qualifying year if you were born between 1950 and 1953\u003c/li\u003e\n \u003cli\u003e10 qualifying years if were born before 1950\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003eYou might still be eligible if you have fewer qualifying years. To check, contact the \u003ca href=\"/contact-pension-service\"\u003ePension Service\u003c/a\u003e or the \u003ca href=\"/international-pension-centre\"\u003eInternational Pension Centre\u003c/a\u003e if you live abroad.\u003c/p\u003e\n\n\u003cp\u003eThe number of qualifying years of National Insurance contributions you have affects \u003ca href=\"/state-pension/how-much-you-get\"\u003ethe amount of State Pension you鈥檒l get\u003c/a\u003e.\u003c/p\u003e\n\n\u003ch2 id=\"if-youre-married-or-in-a-civil-partnership\"\u003eIf you鈥檙e married or in a civil partnership\u003c/h2\u003e\n\n\u003cp\u003eYou might be able to \u003ca href=\"/state-pension/inheritance-spouse-civil-partner\"\u003eincrease or inherit State Pension if you have had a spouse or civil partner\u003c/a\u003e.\u003c/p\u003e\n\n\u003cp\u003eYou might be able to increase your State Pension if either:\u003c/p\u003e\n\n\u003cul\u003e\n \u003cli\u003eyou鈥檙e not eligible for the basic State Pension\u003c/li\u003e\n \u003cli\u003eyour basic State Pension is less than 拢85 per week\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003eYou might be able to inherit State Pension from your spouse or civil partner if either:\u003c/p\u003e\n\n\u003cul\u003e\n \u003cli\u003eyou鈥檙e not eligible for the basic State Pension\u003c/li\u003e\n \u003cli\u003eyour basic State Pension is less than 拢141.85 per week\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003ch2 id=\"if-youre-transgender\"\u003eIf you鈥檙e transgender\u003c/h2\u003e\n\n\u003cp\u003eYour State Pension might be affected if you鈥檙e a transgender person and you:\u003c/p\u003e\n\n\u003cul\u003e\n \u003cli\u003e\n \u003cp\u003ewere born between 24 December 1919 and 3 April 1945\u003c/p\u003e\n \u003c/li\u003e\n \u003cli\u003e\n \u003cp\u003ehave claimed State Pension before 4 April 2005\u003c/p\u003e\n \u003c/li\u003e\n \u003cli\u003e\n \u003cp\u003ecan provide evidence that your gender reassignment surgery took place before 4 April 2005\u003c/p\u003e\n \u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003e\u003ca href=\"/government/publications/transgender-people-equal-treatment-for-state-pension\"\u003eFind out more and contact the Gender Recognition team\u003c/a\u003e.\u003c/p\u003e\n\n\u003cdiv role=\"note\" aria-label=\"Information\" class=\"application-notice info-notice\"\u003e\n\u003cp\u003eYou do not need to do anything if you \u003ca href=\"/apply-gender-recognition-certificate/changing-your-gender\"\u003elegally changed your gender\u003c/a\u003e and started claiming State Pension on or after 4 April 2005 - you鈥檒l already be claiming based on your legal gender.\u003c/p\u003e\n\u003c/div\u003e\n\n\u003ch2 id=\"if-you-do-not-qualify-for-a-state-pension\"\u003eIf you do not qualify for a State Pension\u003c/h2\u003e\n\n\u003cp\u003eYou might be eligible for \u003ca href=\"/pension-credit\"\u003ePension Credit\u003c/a\u003e or \u003ca href=\"/cost-of-living\"\u003eother benefits and financial support\u003c/a\u003e.\u003c/p\u003e\n" } </script><script type="application/ld+json"> { "@context": "http://web.archive.org/web/20230307194539/http://schema.org", "@type": "BreadcrumbList", "itemListElement": [ { "@type": "ListItem", "position": 1, "item": { "name": "Home", "@id": "http://web.archive.org/web/20230307194539/https://www.gov.uk/" } }, { "@type": "ListItem", "position": 2, "item": { "name": "Working, jobs and pensions", "@id": "http://web.archive.org/web/20230307194539/https://www.gov.uk/browse/working" } }, { "@type": "ListItem", "position": 3, "item": { "name": "State Pension", "@id": "http://web.archive.org/web/20230307194539/https://www.gov.uk/browse/working/state-pension" } } ] } </script><script type="application/ld+json"> { "@context": "http://web.archive.org/web/20230307194539/http://schema.org", "@type": "FAQPage", "headline": "The basic State Pension", "description": "How to claim the basic State Pension and how it's calculated - for men born before 6 April 1951 and women born before 6 April 1953.", "publisher": { "@type": "Organization", "name": "GOV.UK", "url": "http://web.archive.org/web/20230307194539/https://www.gov.uk", "logo": { "@type": "ImageObject", "url": "http://web.archive.org/web/20230307194539/https://www.gov.uk/assets/government-frontend/govuk_publishing_components/govuk-logo-73b5a4056ffe9988d02c728b56fe9fe7f90bb822322a5f6183ccbb92a99b019a.png" } }, "mainEntity": [ { "@type": "Question", "name": "Who gets the basic State Pension", "url": "http://web.archive.org/web/20230307194539/https://www.gov.uk/state-pension", "acceptedAnswer": { "@type": "Answer", "url": "http://web.archive.org/web/20230307194539/https://www.gov.uk/state-pension", "text": "<p>Everyone eligible for the basic State Pension has now reached <a href=\"/state-pension-age\">State Pension age</a>. To get it you need to have enough National Insurance qualifying years.</p>\n\n<p>You also need to be either a:</p>\n\n<ul>\n <li>\n <p>man born before 6 April 1951</p>\n </li>\n <li>\n <p>woman born before 6 April 1953</p>\n </li>\n</ul>\n\n<p>If you were born on or after these dates, you鈥檒l claim the <a href=\"/new-state-pension\">new State Pension</a> instead.</p>\n\n<p>You will have already claimed your basic State Pension unless you <a href=\"/state-pension/claim-a-delayed-deferred-state-pension\">delayed (deferred) your State Pension</a>.</p>\n\n<div role=\"note\" aria-label=\"Information\" class=\"application-notice info-notice\">\n<p>This guide is also available <a href=\"/pensiwn-sylfaenol-y-wladwriaeth\">in Welsh (Cymraeg)</a>.</p>\n</div>\n\n<h2 id=\"your-national-insurance-qualifying-years\">Your National Insurance qualifying years</h2>\n\n<p>A National Insurance qualifying year is one in which you did one or more of the following:</p>\n\n<ul>\n <li>\n <p>worked and paid <a href=\"/national-insurance\">National Insurance</a></p>\n </li>\n <li>\n <p>got <a href=\"/national-insurance-credits\">National Insurance Credits</a>, for example you were unemployed, sick, or a parent or carer</p>\n </li>\n <li>\n <p>paid <a href=\"/voluntary-national-insurance-contributions\">voluntary National Insurance contributions</a></p>\n </li>\n</ul>\n\n<h3 id=\"number-of-qualifying-years-you-need\">Number of qualifying years you need</h3>\n\n<p>The number of National Insurance qualifying years you need to get any basic State Pension depends on your circumstances.</p>\n\n<p>If you鈥檙e a man you usually need:</p>\n\n<ul>\n <li>1 qualifying year if you were born between 1945 and 1951</li>\n <li>11 qualifying years if you were born before 1945</li>\n</ul>\n\n<p>If you鈥檙e a woman you usually need:</p>\n\n<ul>\n <li>1 qualifying year if you were born between 1950 and 1953</li>\n <li>10 qualifying years if were born before 1950</li>\n</ul>\n\n<p>You might still be eligible if you have fewer qualifying years. To check, contact the <a href=\"/contact-pension-service\">Pension Service</a> or the <a href=\"/international-pension-centre\">International Pension Centre</a> if you live abroad.</p>\n\n<p>The number of qualifying years of National Insurance contributions you have affects <a href=\"/state-pension/how-much-you-get\">the amount of State Pension you鈥檒l get</a>.</p>\n\n<h2 id=\"if-youre-married-or-in-a-civil-partnership\">If you鈥檙e married or in a civil partnership</h2>\n\n<p>You might be able to <a href=\"/state-pension/inheritance-spouse-civil-partner\">increase or inherit State Pension if you have had a spouse or civil partner</a>.</p>\n\n<p>You might be able to increase your State Pension if either:</p>\n\n<ul>\n <li>you鈥檙e not eligible for the basic State Pension</li>\n <li>your basic State Pension is less than 拢85 per week</li>\n</ul>\n\n<p>You might be able to inherit State Pension from your spouse or civil partner if either:</p>\n\n<ul>\n <li>you鈥檙e not eligible for the basic State Pension</li>\n <li>your basic State Pension is less than 拢141.85 per week</li>\n</ul>\n\n<h2 id=\"if-youre-transgender\">If you鈥檙e transgender</h2>\n\n<p>Your State Pension might be affected if you鈥檙e a transgender person and you:</p>\n\n<ul>\n <li>\n <p>were born between 24 December 1919 and 3 April 1945</p>\n </li>\n <li>\n <p>have claimed State Pension before 4 April 2005</p>\n </li>\n <li>\n <p>can provide evidence that your gender reassignment surgery took place before 4 April 2005</p>\n </li>\n</ul>\n\n<p><a href=\"/government/publications/transgender-people-equal-treatment-for-state-pension\">Find out more and contact the Gender Recognition team</a>.</p>\n\n<div role=\"note\" aria-label=\"Information\" class=\"application-notice info-notice\">\n<p>You do not need to do anything if you <a href=\"/apply-gender-recognition-certificate/changing-your-gender\">legally changed your gender</a> and started claiming State Pension on or after 4 April 2005 - you鈥檒l already be claiming based on your legal gender.</p>\n</div>\n\n<h2 id=\"if-you-do-not-qualify-for-a-state-pension\">If you do not qualify for a State Pension</h2>\n\n<p>You might be eligible for <a href=\"/pension-credit\">Pension Credit</a> or <a href=\"/cost-of-living\">other benefits and financial support</a>.</p>\n" } }, { "@type": "Question", "name": "How much you get", "url": "http://web.archive.org/web/20230307194539/https://www.gov.uk/state-pension/how-much-you-get", "acceptedAnswer": { "@type": "Answer", "url": "http://web.archive.org/web/20230307194539/https://www.gov.uk/state-pension/how-much-you-get", "text": "<p>How much basic State Pension you get depends on your National Insurance record.</p>\n\n<p>The full basic State Pension is 拢141.85 per week.</p>\n\n<p>You may have to <a href=\"/tax-national-insurance-after-state-pension-age/tax-on-your-state-pension-and-other-income\">pay tax on your State Pension</a>.</p>\n\n<div role=\"note\" aria-label=\"Information\" class=\"application-notice info-notice\">\n<p>If you鈥檙e a man born on or after 6 April 1951 or a woman born on or after 6 April 1953, you鈥檒l get <a href=\"/new-state-pension\">the new State Pension</a> instead.</p>\n</div>\n\n<h2 id=\"qualifying-for-the-full-amount\">Qualifying for the full amount</h2>\n\n<p>To get the full basic State Pension you need a certain number of qualifying years of National Insurance.</p>\n\n<p>If you鈥檙e a man you usually need:</p>\n\n<ul>\n <li>30 qualifying years if you were born between 1945 and 1951</li>\n <li>44 qualifying years if you were born before 1945</li>\n</ul>\n\n<p>If you鈥檙e a woman you usually need:</p>\n\n<ul>\n <li>30 qualifying years if you were born between 1950 and 1953</li>\n <li>39 qualifying years if were born before 1950</li>\n</ul>\n\n<p>If you have fewer than the full number of qualifying years, your basic State Pension will be less than 拢141.85 per week.</p>\n\n<p><a href=\"/check-national-insurance-record\">Check your National Insurance record</a> to find out how many qualifying years you have.</p>\n\n<h3 id=\"what-counts-as-a-national-insurance-qualifying-year\">What counts as a National Insurance qualifying year</h3>\n\n<p>A qualifying year counts if, in that year, one or more of the following applies:</p>\n\n<ul>\n <li>you were working and paying <a href=\"/national-insurance\">National Insurance</a>\n</li>\n <li>you got <a href=\"/national-insurance-credits\">National Insurance Credits</a>, for example you were unemployed, sick, or a parent or carer</li>\n <li>you paid <a href=\"/voluntary-national-insurance-contributions\">voluntary National Insurance contributions</a>\n</li>\n</ul>\n\n<h2 id=\"when-you-can-get-more-than-the-full-basic-state-pension\">When you can get more than the full basic State Pension</h2>\n\n<p>You might get more if:</p>\n\n<ul>\n <li>you鈥檙e eligible for <a href=\"/additional-state-pension\">Additional State Pension</a>\n</li>\n <li>you <a href=\"/deferring-state-pension\">delayed (deferred) taking your State Pension</a>\n</li>\n</ul>\n\n<p>You can defer even if you鈥檝e started getting the basic State Pension. The basic State Pension increases by 1% for every 5 weeks you defer.</p>\n\n<h2 id=\"annual-increases\">Annual increases</h2>\n\n<p>The basic State Pension increases every year by whichever is the highest of the following:</p>\n\n<ul>\n <li>\n <p>earnings - the average percentage growth in wages (in Great Britain)</p>\n </li>\n <li>\n <p>prices - the percentage growth in prices in the UK as measured by the Consumer Prices Index (CPI)</p>\n </li>\n <li>\n <p>2.5%</p>\n </li>\n</ul>\n\n<h3 id=\"temporary-change-for-the-tax-year-starting-april-2022\">Temporary change for the tax year starting April 2022</h3>\n\n<p>The basic State Pension has increased by 3.1% this year, in line with CPI.</p>\n\n<p>The average earnings growth was higher, but those figures were affected by the coronavirus (COVID-19) pandemic and so they were not taken into account.</p>\n\n<h2 id=\"other-benefits-you-might-be-eligible-for\">Other benefits you might be eligible for</h2>\n\n<p>If you鈥檙e on a low income, you may be eligible to apply for <a href=\"/pension-credit\">Pension Credit</a>, even if you鈥檝e saved money for retirement.</p>\n\n<p>If you have a disability and someone helps look after you, you may be eligible for <a href=\"/attendance-allowance\">Attendance Allowance</a>.</p>\n\n<p>You may be eligible for <a href=\"/cost-of-living\">other benefits and financial support</a>.</p>\n\n<div role=\"note\" aria-label=\"Information\" class=\"application-notice info-notice\">\n<p>Adult Dependency Increase payments have stopped.</p>\n</div>\n" } }, { "@type": "Question", "name": "When you're paid", "url": "http://web.archive.org/web/20230307194539/https://www.gov.uk/state-pension/when-youre-paid", "acceptedAnswer": { "@type": "Answer", "url": "http://web.archive.org/web/20230307194539/https://www.gov.uk/state-pension/when-youre-paid", "text": "<p>The day your pension is paid depends on your National Insurance number.</p>\n\n<table>\n <thead>\n <tr>\n <th scope=\"col\">Last 2 digits of your National Insurance number</th>\n <th scope=\"col\">Day your State Pension gets paid</th>\n </tr>\n </thead>\n <tbody>\n <tr>\n <td>00 to 19</td>\n <td>Monday</td>\n </tr>\n <tr>\n <td>20 to 39</td>\n <td>Tuesday</td>\n </tr>\n <tr>\n <td>40 to 59</td>\n <td>Wednesday</td>\n </tr>\n <tr>\n <td>60 to 79</td>\n <td>Thursday</td>\n </tr>\n <tr>\n <td>80 to 99</td>\n <td>Friday</td>\n </tr>\n </tbody>\n</table>\n\n<p>There are different rules <a href=\"/state-pension-if-you-retire-abroad/how-to-claim\">if you live abroad</a>.</p>\n\n<h2 id=\"your-first-payment\">Your first payment</h2>\n\n<p>When you <a href=\"/state-pension/claim-a-delayed-deferred-state-pension\">claim your delayed (deferred) State Pension</a> you鈥檒l be asked when you want it to begin.</p>\n\n<p>You鈥檒l get your first payment at the end of the first full week in which you want to start getting your pension.</p>\n" } }, { "@type": "Question", "name": "Claim a delayed (deferred) State Pension", "url": "http://web.archive.org/web/20230307194539/https://www.gov.uk/state-pension/claim-a-delayed-deferred-state-pension", "acceptedAnswer": { "@type": "Answer", "url": "http://web.archive.org/web/20230307194539/https://www.gov.uk/state-pension/claim-a-delayed-deferred-state-pension", "text": "<p>You can claim your delayed State Pension by either:</p>\n\n<ul>\n <li>\n <p>calling the State Pension claim line</p>\n </li>\n <li>\n <p><a href=\"/government/publications/the-basic-state-pension\">downloading the basic State Pension claim form</a> and sending it to your <a href=\"/find-pension-centre\">local pension centre</a></p>\n </li>\n <li>\n <p><a href=\"/state-pension-if-you-retire-abroad\">claim from abroad</a> including the Channel Islands</p>\n </li>\n</ul>\n\n<div role=\"note\" aria-label=\"Information\" class=\"application-notice info-notice\">\n<p>You need to <a href=\"/new-state-pension/how-to-claim\">claim the new State Pension</a> instead if you鈥檙e a man born on or after 6 April 1951 or a woman born on or after 6 April 1953.</p>\n</div>\n\n<h2 id=\"state-pension-claim-line\">State Pension claim line</h2>\n\n<div class=\"contact\">\n<p>Telephone: 0800 731 7898 <br>\nTextphone: 0800 731 7339 <br>\n<a href=\"https://www.relayuk.bt.com\">Relay UK</a> (if you cannot hear or speak on the phone): 18001 then 0800 731 7898 <br>\nBritish Sign Language (BSL) <a href=\"https://connect.interpreterslive.co.uk/vrs?ilc=DWP\">video relay service</a> if you鈥檙e on a computer - find out how to <a href=\"https://www.youtube.com/watch?v=oELNMfAvDxw\">use the service on mobile or tablet</a> <br>\nWelsh language: 0800 731 7936 <br>\nWelsh textphone: 0800 731 7339 <br>\nMonday to Friday, 8am to 6pm (except public holidays) <br>\n<a href=\"/call-charges\">Find out about call charges</a></p>\n</div>\n\n<div role=\"note\" aria-label=\"Information\" class=\"application-notice info-notice\">\n<p>There鈥檚 a different way to <a rel=\"external\" href=\"https://www.nidirect.gov.uk/articles/claiming-or-inheriting-deferred-state-pension\">claim if you鈥檙e from Northern Ireland</a>.</p>\n</div>\n\n<h2 id=\"if-you-want-to-keep-working\">If you want to keep working</h2>\n\n<p>You can claim your State Pension even if you carry on working.</p>\n\n" } }, { "@type": "Question", "name": "Increasing or inheriting State Pension from your spouse or civil partner", "url": "http://web.archive.org/web/20230307194539/https://www.gov.uk/state-pension/inheritance-spouse-civil-partner", "acceptedAnswer": { "@type": "Answer", "url": "http://web.archive.org/web/20230307194539/https://www.gov.uk/state-pension/inheritance-spouse-civil-partner", "text": "<p>You may be able to:</p>\n\n<ul>\n <li>increase your basic State Pension through your spouse or civil partner</li>\n <li>inherit some of your spouse or civil partner鈥檚 State Pension when they die</li>\n</ul>\n\n<p>The additional amount you鈥檒l get is based on your <a href=\"/state-pension-through-partner\">spouse鈥檚 or civil partner鈥檚 National Insurance contributions</a>.</p>\n\n<h2 id=\"increasing-your-basic-state-pension-through-your-spouse-or-civil-partner\">Increasing your basic State Pension through your spouse or civil partner</h2>\n\n<p>If you鈥檙e married or in a civil partnership, you might be able to get up to 拢85 per week if either:</p>\n\n<ul>\n <li>you鈥檙e not getting a basic State Pension</li>\n <li>you鈥檙e not getting the full amount (拢85 per week)</li>\n</ul>\n\n<p>You can only get an increase if you reached State Pension age before 6 April 2016 and your spouse or civil partner reached State Pension age either:</p>\n\n<ul>\n <li>before 6 April 2016, and they qualify for basic State Pension</li>\n <li>on or after 6 April 2016, and they have one or more qualifying years of National Insurance contributions or credits from before 6 April 2016 (even if they do not qualify for the <a href=\"/new-state-pension\">new State Pension</a>)</li>\n</ul>\n\n<p>You might qualify for an increase, even if:</p>\n\n<ul>\n <li>your spouse or civil partner has not claimed the State Pension</li>\n <li>you were widowed, divorced or had your civil partnership dissolved in the last 12 months</li>\n</ul>\n\n<p>You鈥檒l get any <a href=\"/additional-state-pension\">Additional State Pension</a> or Graduated Retirement Benefit, based on your own contributions, on top of the increase from your spouse or civil partner.</p>\n\n<h3 id=\"if-your-spouse-or-civil-partner-was-born-before-6-april-1950\">If your spouse or civil partner was born before 6 April 1950</h3>\n\n<p>You can only get the increase if you鈥檙e a woman who is married to either:</p>\n\n<ul>\n <li>a man</li>\n <li>a woman who legally changed their gender from male to female during your marriage</li>\n</ul>\n\n<h3 id=\"how-to-apply\">How to apply</h3>\n\n<p>Most people will get the increase automatically if they鈥檙e eligible.</p>\n\n<p>You鈥檒l need to <a href=\"/contact-pension-service\">contact the Pension Service</a> to get the increase if you鈥檙e a married woman and:</p>\n\n<ul>\n <li>your spouse claimed their State Pension before 17 March 2008</li>\n <li>you reached State Pension age before your spouse</li>\n</ul>\n\n<p>You鈥檒l also need to contact the Pension service if either of the following apply:</p>\n\n<ul>\n <li>your spouse or civil partner reached State Pension age but has not claimed their State Pension yet</li>\n <li>you were widowed, divorced or had your civil partnership dissolved in the last 12 months</li>\n</ul>\n\n<p>If you鈥檙e not getting the increase but think you qualify, <a href=\"/contact-pension-service\">contact the Pension Service</a>.</p>\n\n<h2 id=\"inheriting-some-of-your-spouse-or-civil-partners-state-pension-when-they-die\">Inheriting some of your spouse or civil partner鈥檚 State Pension when they die</h2>\n\n<p>If you reached State Pension age before 6 April 2016, you may be able to inherit some of your spouse or civil partner鈥檚 State Pension when they die.</p>\n\n<p><a href=\"/contact-pension-service\">Contact the Pension Service</a> to check what you can claim.</p>\n\n<p>You may be able to increase your basic State Pension by using their qualifying years if you do not already get the full amount of 拢141.85 a week.</p>\n\n<p>You may also be able to inherit part of your spouse or civil partner鈥檚 <a href=\"/additional-state-pension/inheriting\">Additional State Pension</a> or Graduated Retirement Benefit.</p>\n\n<p>If you reached State Pension on or after 6 April 2016 different rules apply to you.</p>\n\n<p>You can check what inheritance you might be entitled to based on your <a href=\"/state-pension-through-partner\">spouse鈥檚 or civil partner鈥檚 National Insurance contributions</a>.</p>\n\n<h3 id=\"if-your-spouse-or-civil-partner-deferred-their-state-pension\">If your spouse or civil partner deferred their State Pension</h3>\n\n<p>If your spouse or civil partner <a href=\"/deferring-state-pension\">deferred their State Pension</a> and built up an extra amount, you can usually claim the extra State Pension or get a lump sum. You must not have remarried or formed a new civil partnership.</p>\n\n<p>If they deferred for less than 12 months, you can only get extra State Pension. You cannot get a lump sum.</p>\n\n<p>You can only get the extra State Pension once you鈥檝e reached State Pension age.</p>\n\n<h3 id=\"state-pension-top-up\">State Pension top up</h3>\n\n<p>If your spouse or civil partner topped up their State Pension (between 12 October 2015 and 5 April 2017), you may be able to <a href=\"/additional-state-pension/inheriting\">inherit some or all of their top up</a>.</p>\n\n" } }, { "@type": "Question", "name": "Change of circumstances", "url": "http://web.archive.org/web/20230307194539/https://www.gov.uk/state-pension/circumstances-change", "acceptedAnswer": { "@type": "Answer", "url": "http://web.archive.org/web/20230307194539/https://www.gov.uk/state-pension/circumstances-change", "text": "<p>You must <a href=\"/contact-pension-service\">tell the Pension Service</a> if anything in your circumstances changes, for example if you:</p>\n\n<ul>\n <li>move home</li>\n <li>go into or come out of hospital</li>\n <li>move abroad or return to the UK</li>\n <li>go into a care home</li>\n <li>change your bank account</li>\n <li>marry or form a civil partnership</li>\n <li>get divorced or have your civil partnership dissolved</li>\n <li>are widowed or your civil partner dies</li>\n <li>change your gender</li>\n</ul>\n\n<h2 id=\"if-youve-been-paid-too-much\">If you鈥檝e been paid too much</h2>\n\n<p>You may have to repay the money if you:</p>\n\n<ul>\n <li>did not report a change straight away</li>\n <li>gave wrong information</li>\n <li>were overpaid by mistake</li>\n</ul>\n\n<p>Find out how to <a href=\"/benefit-overpayments\">repay overpaid money</a>.</p>\n" } } ] } </script> </body> </html>

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