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State Pension (United Kingdom)

From Wikipedia, the free encyclopedia
(Redirected from New State Pension)

The State Pension is a regular payment made by the UK government to people who have reached State Pension age. It is one part of the pension system in the United Kingdom, alongside workplace and personal pensions. Entitlement depends on a person's National Insurance contribution record rather than on their income or savings, and the amount paid depends mainly on when they reached State Pension age and how many qualifying years they have.

Which rules apply depends on when a person reached State Pension age. People who reached it on or after 6 April 2016 receive the new State Pension, a single flat-rate amount introduced by the Pensions Act 2014. For 2026–27 the full rate is £241.30 a week.[1] At least ten qualifying years are normally needed to receive anything and 35 to receive the full rate. People who reached State Pension age before that date remain on the pre-2016 scheme, which closed to new pensioners in April 2016 and consists of a flat-rate basic State Pension (£184.90 a week for 2026–27) and an earnings-related additional State Pension.[1] Transitional rules for contributions made before 2016, and past periods of contracting out, mean that many people on the new scheme receive more or less than the full rate.

Payments are normally increased each April. Under the "triple lock", the basic and new State Pension rise by the highest of average earnings growth, price inflation or 2.5 per cent. Increases are paid to pensioners living in the UK and in countries with which the UK has a reciprocal agreement; pensions paid to people living elsewhere, including Australia and Canada, are frozen at the rate first paid.

State Pension age was historically 60 for women and 65 for men. It was equalised at 66 in 2020, began rising to 67 in May 2026 and will reach 67 by 2028. A rise to 68 is legislated for 2044 to 2046, subject to periodic review.

The State Pension is administered by the Department for Work and Pensions in Great Britain[2] and by the Department for Communities in Northern Ireland.[3]

History

[edit]
Pensioners collecting their pension in Auchtermuchty, Scotland, around the beginning of the twentieth century.

Origins

[edit]

The first state pension in the UK was a means-tested, non-contributory pension for people aged 70 and over introduced by the Old-Age Pensions Act 1908. Contributory pensions from age 65 followed in 1925, and the National Insurance Act 1946 created a universal contributory retirement pension from 1948 as part of the post-war welfare state.[citation needed][4]

Before the National Insurance system changed in 1975, the contribution rules were different. To receive a pension, a person needed at least 3 years (156 weeks) of flat-rate contributions (2 years before July 1948), and a yearly average of 50 weekly contributions from age 16, from 5 July 1948, or from the date they began insurable employment.[5]

[edit]

An earnings-related element was added on top of the basic pension through a series of schemes: the Graduated Retirement Benefit from 1961 to 1975, the State Earnings-Related Pension Scheme (SERPS) from 1978, and the State Second Pension from 2002 until 2016.[6][4][7] Employers and scheme members could "contract out" of these schemes, paying a lower rate of National Insurance in exchange for building up equivalent benefits in a workplace or personal pension.[8][9]

Between 1978 and 2010, Home Responsibilities Protection (HRP) reduced the number of qualifying years needed by people who spent time out of paid work caring for children or disabled adults. It was replaced by National Insurance credits for parents and carers.[10][11]

Pensions Act 2007

[edit]

Following the findings of the Pensions Commission and the 2006 white paper Security in retirement: towards a new pension system,[12] the Pensions Act 2007 made the following changes:[13]

  1. Reduced the qualifying years for a full basic State Pension from 44 years for men and 39 years for women to 30 years for both, from April 2010.
  2. Linked the yearly increase in the basic State Pension to earnings rather than prices.
  3. Made it easier for everyone to build up some entitlement to the basic State Pension.
  4. Replaced Home Responsibilities Protection with weekly credits for parents and carers.
  5. Legislated to raise State Pension age for both women and men from 65 to 68 in three stages between 2024 and 2046.
  6. Ended contracting out of the additional State Pension through money-purchase schemes.

The earnings link was replaced by the "triple lock" from April 2011 (see Annual increases).[14]

Pensions Act 2014 and the new State Pension

[edit]

A green paper in April 2011 and a white paper in January 2013 proposed replacing the basic and additional State Pension with a single flat-rate pension.[15] It was originally planned for April 2017, but the 2013 Budget brought it forward to 6 April 2016. The Pensions Act 2014 received royal assent on 14 May 2014.[16]

The new pension was initially described as a "single-tier" pension worth about £144 a week in 2012–13 terms. Rights already built up under the old scheme were preserved through the "starting amount" rules described below, and contracting out was abolished. Most rules allowing people to claim a pension on a spouse's or civil partner's record were phased out for people reaching State Pension age after the change, although existing rights were protected.[15][17] The new State Pension began on 6 April 2016 at £155.65 a week.[citation needed]

Qualifying for a State Pension

[edit]

The State Pension is a "contribution-based" benefit. Entitlement depends on the number of qualifying years on a person's National Insurance record.[18][19]

Qualifying years

[edit]

A tax year counts as a qualifying year if a person pays, is treated as having paid, or is credited with enough contributions. For 2026–27, an employee needs earnings of at least £6,708 a year (the lower earnings limit), and a self-employed person needs profits of at least £7,105 (the small profits threshold).[20][21] Employees earning between the lower earnings limit and the primary threshold pay no contributions but are treated as having paid them. Since April 2024, self-employed people with profits at or above the small profits threshold receive a qualifying year without paying Class 2 contributions, and those below it can pay Class 2 contributions voluntarily.[21]

The number of qualifying years needed depends on when a person reached State Pension age:

Reached State Pension ageYears for full pensionMinimum years for any pension
Before 6 April 201044 (men), 39 (women)A quarter of the full requirement
6 April 2010 to 5 April 2016301
On or after 6 April 20163510

[19][22][23][24]

National Insurance credits

[edit]

People in certain circumstances receive National Insurance credits instead of paying contributions. These include parents claiming Child Benefit for a child under 12, carers looking after a severely disabled person for at least 20 hours a week, and people claiming or eligible for unemployment or sickness benefits.[25][10]

Filling gaps with voluntary contributions

[edit]

People with gaps in their record can usually fill them by paying voluntary Class 3 contributions, at £18.40 a week for 2026–27, normally for the previous six tax years.[26][27] A temporary extension allowed gaps from April 2006 onwards to be filled until 5 April 2025.

People living abroad could previously pay the much cheaper voluntary Class 2 contributions. From 6 April 2026 this route was closed for periods abroad, except for some self-employed people covered by social security agreements and volunteer development workers. New applicants paying Class 3 for periods abroad must now have lived in the UK for at least 10 continuous years or have at least 10 qualifying years, replacing the previous three-year requirement.[28]

New State Pension (reached State Pension age from 6 April 2016)

[edit]

The new State Pension applies to men born on or after 6 April 1951 and women born on or after 6 April 1953.[24][29]

Amount

[edit]

The full rate for 2026–27 is £241.30 a week (about £12,548 a year).[1] People with between 10 and 35 qualifying years, and no National Insurance record before April 2016, receive a proportion of the full rate. Years beyond 35 do not increase the amount.[30][31]

Starting amount and protected payment

[edit]

Most people now reaching State Pension age have National Insurance records from before April 2016. For them, the Department for Work and Pensions calculated a "starting amount" at April 2016 under both the old rules and the new rules and used whichever was higher, after a deduction for any periods of contracting out.[32][9]

  • If the starting amount was below the full rate, each qualifying year after April 2016 adds about 1/35 of the full rate, until the full rate is reached or the person reaches State Pension age.
  • If the starting amount was above the full rate, the excess is paid as a "protected payment" on top of the full rate. Protected payments are increased each year by price inflation rather than by the triple lock.[30][33]

People who were contracted out often have a starting amount below the full rate, but should have offsetting rights in a workplace or personal pension reflecting the National Insurance rebate paid in the past.[8][33]

Spouses and civil partners

[edit]

The new State Pension is based on each person's own record and has no general equivalent of the old Category B pension. Limited transitional rules apply, such as for some married women who paid reduced-rate contributions, and a surviving spouse or civil partner may be able to inherit part of a partner's protected payment or additional pension where the marriage or civil partnership began before 6 April 2016.[30][17]

Old State Pension (reached State Pension age before 6 April 2016)

[edit]

The pre-2016 scheme applies to men born before 6 April 1951 and women born before 6 April 1953. It is closed to new pensioners but continues to be paid to those already on it.[6][24]

Basic State Pension

[edit]

The full basic State Pension for 2026–27 is £184.90 a week.[1] The amount is calculated by multiplying the full rate by the person's number of qualifying years and dividing by the number needed for the full rate (see Qualifying years).[19][34]

Additional State Pension

[edit]

Additional State Pension is paid on top of the basic pension and reflects earnings on which National Insurance was paid.[35][36] It may include:

  • Graduated Retirement Benefit, for contributions paid between April 1961 and April 1975.[a][37]
  • SERPS, for employees who were not contracted out between April 1978 and April 2002.
  • State Second Pension, from April 2002 to April 2016.
  • State Pension top up, a short-lived scheme that let people reaching State Pension age before April 2016 buy extra additional pension with a lump sum between October 2015 and April 2017.[6]

Additional State Pension is increased each year by price inflation rather than by the triple lock.[38]

Pensions based on a spouse's record

[edit]

A person whose own basic State Pension is less than 60 per cent of the full rate can have it topped up to that level using their spouse's or civil partner's record, once both have reached State Pension age. This is known as a Category B pension. It was originally available only to wives; men born after 5 April 1945, and civil partners reaching State Pension age on or after 6 April 2010, can also claim it. Widows, widowers and surviving civil partners may be able to inherit some or all of their late partner's pension.[34][39]

Over-80 pension and age addition

[edit]

People aged 80 or over with little or no contributory pension may qualify for a non-contributory Category D pension, paid at 60 per cent of the full basic State Pension, subject to residence conditions.[39] An "age addition" of 25p a week is paid to all State Pension recipients aged 80 or over, at the same level since 1971.[40]

State Pension age

[edit]

From the 1940s until April 2010 the State Pension age was 60 for women and 65 for men.[41] Legislation since the mid-1990s has equalised the age for men and women and set a timetable for future increases, partly to reflect rising life expectancy and concerns about long-term affordability.[41][42]

Legislative changes

[edit]

The Pensions Act 1995 provided for women's State Pension age to rise to 65 between 2010 and 2020.[43][44] The Pensions Act 2007 legislated for a rise to 68 for both sexes between 2024 and 2046.[12] The Pensions Act 2011 brought forward women's equalisation at 65 to November 2018 and raised State Pension age for both men and women to 66 by October 2020. The Pensions Act 2014 brought forward the rise to 67 to between 2026 and 2028.[41][45] The rise to 67 began on 6 May 2026 and will be complete in 2028.[46]

Reviews

[edit]

The Pensions Act 2014 requires the government to review State Pension age regularly, informed by an independent report and a report from the Government Actuary's Department.[41]

  • The first review, reported in 2017 and informed by John Cridland's independent report, recommended bringing the rise to 68 forward to 2037 to 2039. The government accepted the principle but said it would legislate only after a further review.
  • The second review, concluded in March 2023 and informed by Baroness Neville-Rolfe's report, confirmed the rise to 67 between 2026 and 2028 but did not bring forward the rise to 68, leaving the 2044 to 2046 timetable in place.[41][45]
  • The third review was launched in July 2025, with an independent report by Suzy Morrissey and a Government Actuary's report on life expectancy. Any change to the timetable for 68 must give at least ten years' notice.[47][46]

Women's State Pension age controversy

[edit]

The increases in women's State Pension age, and the way they were communicated, have been the subject of sustained political and legal debate. Campaign groups, including Women Against State Pension Inequality (WASPI) and BackTo60, argue that some women born in the 1950s experienced a significant and unexpected increase in their State Pension age, which disrupted their retirement plans and caused financial hardship.[44] Supporters of the policy point to the need to equalise State Pension ages for men and women and to respond to longer life expectancy and population ageing.[41][42]

In 2019 a challenge in the High Court failed to reverse the decisions on the ground that not enough notice was given.[48] The Conservative Party in its 2019 manifesto stated that it would not change the rules, while the Labour Party committed itself to compensating women who were unfairly affected.[49] The Court of Appeal dismissed an appeal on 15 September 2020,[50] and on 31 March 2021 the Supreme Court refused permission to appeal further.[51]

On 21 March 2024 the Parliamentary Ombudsman recommended that affected women receive compensation of £1,000 to £2,950 each.[52] In December 2024 the government accepted the finding of maladministration and apologised for the delay in writing to women directly, but rejected the Ombudsman's approach to injustice and remedy and announced that it would not introduce a compensation scheme.[53][44]

State Pension age by date of birth

[edit]

Women born between 1950 and 1953

[edit]
Dates of birthDate of
reaching
SPA		Dates of birthDate of
reaching
SPA
FromToFromTo
6 Jan 19525 Feb 19526 Nov 2013
6 Feb 19525 Mar 19526 Jan 2014
5 April 1950Age 606 Mar 19525 Apr 19526 Mar 2014
6 Apr 19505 May 19506 May 20106 Apr 19525 May 19526 May 2014
6 May 19505 Jun 19506 Jul 20106 May 19525 Jun 19526 Jul 2014
6 Jun 19505 Jul 19506 Sep 20106 Jun 19525 Jul 19526 Sep 2014
6 Jul 19505 Aug 19506 Nov 20106 Jul 19525 Aug 19526 Nov 2014
6 Aug 19505 Sep 19506 Jan 20116 Aug 19525 Sep 19526 Jan 2015
6 Sep 19505 Oct 19506 Mar 20116 Sep 19525 Oct 19526 Mar 2015
6 Oct 19505 Nov 19506 May 20116 Oct 19525 Nov 19526 May 2015
6 Nov 19505 Dec 19506 Jul 20116 Nov 19525 Dec 19526 Jul 2015
6 Dec 19505 Jan 19516 Sep 20116 Dec 19525 Jan 19536 Sep 2015
6 Jan 19515 Feb 19516 Nov 20116 Jan 19535 Feb 19536 Nov 2015
6 Feb 19515 Mar 19516 Jan 20126 Feb 19535 Mar 19536 Jan 2016
6 Mar 19515 Apr 19516 Mar 20126 Mar 19535 Apr 19536 Mar 2016
6 Apr 19515 May 19516 May 20126 Apr 19535 May 19536 Jul 2016
6 May 19515 Jun 19516 Jul 20126 May 19535 Jun 19536 Nov 2016
6 Jun 19515 Jul 19516 Sep 20126 Jun 19535 Jul 19536 Mar 2017
6 Jul 19515 Aug 19516 Nov 20126 Jul 19535 Aug 19536 Jul 2017
6 Aug 19515 Sep 19516 Jan 20136 Aug 19535 Sep 19536 Nov 2017
6 Sep 19515 Oct 19516 Mar 20136 Sep 19535 Oct 19536 Mar 2018
6 Oct 19515 Nov 19516 May 20136 Oct 19535 Nov 19536 Jul 2018
6 Nov 19515 Dec 19516 Jul 20136 Nov 19535 Dec 19536 Nov 2018
6 Dec 19515 Jan 19526 Sep 2013

Men and women born between 1953 and 1960

[edit]
Dates of birthDate of
reaching
SPA
FromTo
6 Dec 19535 Jan 19546 Mar 2019
6 Jan 19545 Feb 19546 May 2019
6 Feb 19545 Mar 19546 Jul 2019
6 Mar 19545 Apr 19546 Sep 2019
6 Apr 19545 May 19546 Nov 2019
6 May 19545 Jun 19546 Jan 2020
6 Jun 19545 Jul 19546 Mar 2020
6 Jul 19545 Aug 19546 May 2020
6 Aug 19545 Sep 19546 Jul 2020
6 Sep 19545 Oct 19546 Sep 2020
6 Oct 19545 Apr 1960Age 66

Men and women born between 1960 and 1978

[edit]
Dates of birthSPADates of birthLegislated
date of
SPA
FromToFromTo
6 Apr 19605 May 196066 years 1 month6 Apr 19775 May 19776 May 2044
6 May 19605 Jun 196066 years 2 months6 May 19775 Jun 19776 Jul 2044
6 Jun 19605 Jul 196066 years 3 months6 Jun 19775 Jul 19776 Sep 2044
6 Jul 19605 Aug 196066 years 4 months6 Jul 19775 Aug 19776 Nov 2044
6 Aug 19605 Sep 196066 years 5 months6 Aug 19775 Sep 19776 Jan 2045
6 Sep 19605 Oct 196066 years 6 months6 Sep 19775 Oct 19776 Mar 2045
6 Oct 19605 Nov 196066 years 7 months6 Oct 19775 Nov 19776 May 2045
6 Nov 19605 Dec 196066 years 8 months6 Nov 19775 Dec 19776 Jul 2045
6 Dec 19605 Jan 196166 years 9 months6 Dec 19775 Jan 19786 Sep 2045
6 Jan 19615 Feb 196166 years 10 months6 Jan 19785 Feb 19786 Nov 2045
6 Feb 19615 Mar 196166 years 11 months6 Feb 19785 Mar 19786 Jan 2046
6 Mar 19615 Apr 197767 years6 Mar 19785 Apr 197868 years

Annual increases

[edit]

Triple lock

[edit]

The basic and new State Pension are increased each April under the "triple lock", a Liberal Democrat policy adopted by the 2010–2015 coalition government and maintained by every government since. The increase is the highest of:[14]

  1. growth in average earnings, measured over May to July of the previous year;
  2. price inflation, measured by the Consumer Price Index for the previous September;
  3. 2.5 per cent.

The triple lock was suspended for the April 2022 increase, when the earnings element was removed because pandemic effects had distorted earnings figures.[54] Recent increases have been 10.1% in 2023 (prices), 8.5% in 2024 (earnings), 4.1% in 2025 (earnings) and 4.8% in 2026 (earnings).[55][1] Protected payments and additional State Pension are increased by prices only.[38] The cost and fairness of the triple lock are the subject of continuing debate.[42][56]

Pensioners living overseas

[edit]

Increases are paid to pensioners living in the UK and in countries that have a social security agreement with the UK providing for uprating, including countries in the European Economic Area and the United States.[57] Pensioners living in other countries, which include most Commonwealth countries such as Australia, Canada and New Zealand, have their pensions frozen at the rate in effect when they left the UK or when they first claimed, whichever is later.[58]

Claiming and deferring

[edit]

The State Pension is not paid automatically and must be claimed.[39] A person who does not claim at State Pension age, or who stops payment after claiming, defers their pension and receives a higher amount later.[59]

Reached State Pension ageIncreaseEquivalent per yearLump sum option
Before 6 April 20161% for every 5 weeks deferred (minimum 5 weeks)About 10.4%Yes, after 12 months' deferral, with interest at 2% above Bank of England base rate
On or after 6 April 20161% for every 9 weeks deferred (minimum 9 weeks)Just under 5.8%No

[60][61][62]

The House of Commons Library has noted that around 8% of State Pensioners in Great Britain in 2019 were receiving an increment from deferring.[61]

Tax

[edit]

The State Pension, including any deferral increase, is taxable income but is paid without tax deducted.[59][62] With the personal allowance frozen at £12,570, the full new State Pension of about £12,548 a year in 2026–27 leaves little room before other income becomes taxable.[1]

[edit]
  • Pension Credit is a means-tested benefit that tops up the income of low-income pensioners to a minimum level and can give access to other help, such as with housing costs.[63]
  • Winter Fuel Payment is an annual payment of £100 to £300 per person, depending on age and household, to help with heating costs.[64][65] It was restricted to people on Pension Credit and certain other benefits in winter 2024–25. From winter 2025–26 it was again paid to everyone over State Pension age in England and Wales, but HMRC recovers it through the tax system from people with taxable income of more than £35,000.[66][67][68] In Scotland it has been replaced by the Pension Age Winter Heating Payment.
  • Christmas Bonus is a tax-free payment of £10 to State Pension recipients, unchanged since 1972.[69]

See also

[edit]

Notes

[edit]
  1. ↑ Entitlement was based on the amount of contributions paid, which bought units. Each unit was worth 17½p in 2024–25, and the maximum possible benefit was £15.10 a week.

References

[edit]
  1. 1 2 3 4 5 6 "Benefits uprating 2026/27". House of Commons Library. UK Parliament. Retrieved 29 September 2026.
  2. ↑ "Department for Work and Pensions". GOV.UK. 28 July 2026. Retrieved 23 August 2026.
  3. ↑ "Pension information". Department for Communities. 21 July 2015. Archived from the original on 16 April 2026. Retrieved 23 August 2026.
  4. 1 2 "The history of state pensions in the UK: 1948 to 2010" (PDF). Institute for Fiscal Studies. 2010. Retrieved 5 December 2025.
  5. ↑ "National Insurance Act 1965, schedule 2". legislation.gov.uk. Retrieved 14 April 2024.
  6. 1 2 3 "The old State Pension". House of Commons Library. UK Parliament. 15 October 2024. Retrieved 5 December 2025.
  7. ↑ "Pensions: the basics" (PDF). Department for Work and Pensions. HM Government. 2013. Retrieved 5 December 2025.
  8. 1 2 "Contracted out of the Additional State Pension". GOV.UK. HM Government. Retrieved 5 December 2025.
  9. 1 2 "Important changes to your National Insurance contributions that could affect your pension" (PDF). Department for Work and Pensions. HM Government. 2015. Retrieved 5 December 2025.
  10. 1 2 "Home Responsibilities Protection (HRP)". GOV.UK. Retrieved 5 December 2025.
  11. ↑ "Home Responsibilities Protection: what you'll get". GOV.UK. HM Government. Retrieved 5 December 2025.
  12. 1 2 Security in retirement: towards a new pension system (2006), Department for Work and Pensions, Cm 6841, para 3.32
  13. ↑ "Pensions Act 2007: explanatory notes". legislation.gov.uk. UK Government. Retrieved 5 December 2025.
  14. 1 2 "Djuna Thurley, Rod McInnes" (PDF). House of Commons Library. UK Parliament. 4 February 2021. CBP-07812. Retrieved 15 July 2023.
  15. 1 2 "The single-tier pension: a simple foundation for saving". GOV.UK. Department for Work and Pensions. 14 January 2013. Retrieved 5 December 2025.
  16. ↑ "Pensions Act 2014". GOV.UK. Department for Work and Pensions. Retrieved 5 December 2025.
  17. 1 2 "The Single-tier State Pension: Part 1 of the draft Pensions Bill" (PDF). UK Parliament. Work and Pensions Committee. 4 April 2013. Retrieved 5 December 2025.
  18. ↑ "Your National Insurance record and your State Pension". Retrieved 14 November 2018.
  19. 1 2 3 "Eligibility". GOV.UK. Retrieved 14 November 2018.
  20. ↑ "National Insurance rates and categories: Contribution rates". GOV.UK. HM Revenue and Customs. Retrieved 29 September 2026.
  21. 1 2 "Self-employed National Insurance rates". GOV.UK. HM Revenue and Customs. Retrieved 29 September 2026.
  22. ↑ ...people can expect to receive at State Pension age by reducing the number of qualifying years for a full State Pension from 39 for women and 44 for men to 30 for everyone retiring after April 2010. "National insurance contributions & qualifying years and second tier pension provision: 2010/11" (PDF). April 2012. Retrieved 5 December 2025.
  23. ↑ "Eligibility". GOV.UK. Retrieved 22 July 2022.
  24. 1 2 3 "The new State Pension: eligibility". GOV.UK. HM Government. Retrieved 5 December 2025.
  25. ↑ Understanding the basic State Pension http://www.direct.gov.uk/en/Pensionsandretirementplanning/StatePension/Basicstatepension/DG_10014671 Archived 2011-10-30 at the Wayback Machine
  26. ↑ "Voluntary National Insurance: Rates". GOV.UK. HM Revenue and Customs. Retrieved 29 September 2026.
  27. ↑ "Application to pay voluntary National Insurance contributions" (PDF). Archived (PDF) from the original on 5 April 2011. Retrieved 25 March 2011.
  28. ↑ "Voluntary National Insurance contributions abroad from 6 April 2026". GOV.UK. HM Revenue and Customs. 16 March 2026. Retrieved 29 September 2026.
  29. ↑ "New State Pension – Q&A for LGPS members" (PDF). Rhondda Cynon Taf Pension Fund. Rhondda Cynon Taf County Borough Council. Retrieved 5 December 2025.
  30. 1 2 3 "The new State Pension: what you'll get". GOV.UK. HM Government. Retrieved 5 December 2025.
  31. ↑ "New State Pension". Age UK. 4 July 2025. Retrieved 5 December 2025.
  32. ↑ "Your State Pension explained". GOV.UK. HM Government. 7 April 2025. Retrieved 5 December 2025.
  33. 1 2 "National Insurance and the state pension". Low Incomes Tax Reform Group. 6 April 2025. Retrieved 5 December 2025.
  34. 1 2 "The State Pension explained". Independent Age. Retrieved 5 December 2025.
  35. ↑ "Additional State Pension: overview". GOV.UK. HM Government. Retrieved 5 December 2025.
  36. ↑ "Additional State Pension: eligibility". GOV.UK. HM Government. Retrieved 5 December 2025.
  37. ↑ Graduated Retirement Benefit (GRB) explained, SunLife
  38. 1 2 "Pensions in the UK". House of Commons Library. UK Parliament. 7 April 2025. Retrieved 5 December 2025.
  39. 1 2 3 "State Pension" (PDF). Age UK. 19 April 2025. Retrieved 5 December 2025.
  40. ↑ "State pension: 25 pence age addition". House of Commons Library. UK Parliament. 15 May 2013. Retrieved 5 December 2025.
  41. 1 2 3 4 5 6 "State Pension age review" (PDF). House of Commons Library. UK Parliament. 6 April 2023. Retrieved 5 December 2025.
  42. 1 2 3 "The future of the state pension". Institute for Fiscal Studies. Institute for Fiscal Studies. 13 December 2023. Retrieved 5 December 2025.
  43. ↑ Pensions Act 1995 s 126; Sch 4
  44. 1 2 3 "The communication of State Pension age increases for women born in the 1950s". House of Commons Library. UK Parliament. 14 March 2025. Retrieved 5 December 2025.
  45. 1 2 "State Pension age". House of Commons Library. UK Parliament. 6 April 2023. Retrieved 5 December 2025.
  46. 1 2 "Transition to State Pension Age". UK Parliament. Work and Pensions Committee. 2026. Retrieved 29 September 2026.
  47. ↑ "Third State Pension age review". GOV.UK. Department for Work and Pensions. 21 July 2025. Retrieved 29 September 2026.
  48. ↑ R (Delve) v Secretary of State for Work and Pensions [2019] EWHC 2552 (Admin), EWHC 2552
  49. ↑ BBC Online, 7 December 2019 – Conservative minister Nicky Morgan told the BBC "there isn’t the money available" to compensate the Waspi women."General election 2019: What is Labour's WASPI women pledge?".
  50. ↑ R (Delve) v Secretary of State for Work and Pensions [2020] EWCA Civ 1199, EWCA Civ 1199
  51. ↑ "Supreme Court denies Backto60 state pension appeal". BBC News. 31 March 2021. Retrieved 10 December 2022.
  52. ↑ "Women's State Pension age: our findings on injustice and associated issues" (PDF). Parliamentary and Health Service Ombudsman. Retrieved 25 February 2025.
  53. ↑ "Response to PHSO report on communication of changes to women's State Pension age". GOV.UK. Department for Work and Pensions. 17 December 2024. Retrieved 5 December 2025.
  54. ↑ "Triple Lock shifts to Double Lock in 2022". Chase de Vere. 12 November 2021. Retrieved 15 July 2023.
  55. ↑ "The triple lock and the State Pension" (PDF). Age UK. October 2023. Retrieved 5 December 2025.
  56. ↑ "Financial security". Centre for Ageing Better. 2025. Retrieved 5 December 2025.
  57. ↑ Social Security Agreement Countries Archived 2010-09-11 at the Wayback Machine, dwp.gov.uk/
  58. ↑ "Frozen overseas pensions". UK Parliament. UK Parliament Briefing Paper. House of Commons Library. 11 April 2019.{{cite journal}}: CS1 maint: others (link) − links to PDF of Briefing Paper Number CBP-01457, Frozen overseas pensions by Djuna Thurley and Rod McInnes
  59. 1 2 "Delay (defer) your State Pension". GOV.UK. HM Government. Retrieved 5 December 2025.
  60. ↑ "Delay (defer) your State Pension: what you'll get". GOV.UK. HM Government. Retrieved 5 December 2025.
  61. 1 2 "State Pension deferral" (PDF). House of Commons Library. UK Parliament. 28 May 2020. Retrieved 5 December 2025.
  62. 1 2 "Putting off (deferring) claiming the state pension". Low Incomes Tax Reform Group. Retrieved 5 December 2025.
  63. ↑ "Pension Credit". GOV.UK. Retrieved 5 December 2025.
  64. ↑ "Winter Fuel Payment". GOV.UK. HM Government. Retrieved 29 September 2026.
  65. ↑ "Winter Fuel Payment claim form WFP1 09/24" (PDF). Department for Work and Pensions. HM Government. 15 September 2025. Retrieved 5 December 2025.
  66. ↑ "Winter fuel payments to be recovered through tax system". ICAEW. 10 June 2025. Retrieved 29 September 2026.
  67. ↑ "Winter Fuel Payment: eligibility". GOV.UK. HM Government. Retrieved 29 September 2026.
  68. ↑ "Winter Fuel Payment: eligibility, updates and how to claim". Age UK. Retrieved 29 September 2026.
  69. ↑ "Christmas Bonus". GOV.UK. HM Government. Retrieved 5 December 2025.
[edit]
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