The State Pension

As with many state benefits, what ought to appear a quite straightforward entitlement can get very complicated indeed.

There is the basic state pension that everyone will receive if they have paid enough National Insurance. Until 2046, people will receive this between the ages of 60 and 68 depending on your sex and how old you are. (These ages may change subject to new proposals) 

Apart from the basic pension, there are other “add-ons” that may boost your income, such as “Graduated”, and “Second State Pension” (formerly SERPS). The level of spouse’s pensions can depend on the year when the husband or partner reached 65.

The number one question most people want to know is “How much am I likely to get?”

The number two question most people want to know is “When will I get it?”

The State Pensions Information link below is extremely useful. It provides full details of who gets what and when, what happens in cases of divorce or bereavement, what you would get if benefits are deferred, details of S2P, what benefits you can build up if disabled or a carer, what happens if you move abroad and more.

State Pensions Information

Please contact us for further information.

A pension is a long term investment. Your eventual income may depend on the size of the fund at retirement, future interest rates and tax legislation.
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