Retirement benefits

You can claim a basic State Pension when you reach pension age. You must have enough contributions.

• State pension age for men is currently 65.
• State pension for women is gradually increasing from 60 to 65 to bring it in line with pension age for men.
  

Find out when you will reach state pension age by visiting the Directgov website using the links on the right.

You can calculate your State Pension age on the DirectGov website.

Who can claim

Married men and women without contributions of their own can claim a pension if their spouse has enough contributions.

Widows and widowers may get a pension based on their late spouse's contributions.

These rules also cover same sex couples who have registered a civil partnership.

How to claim

You should get a letter inviting you to claim about four months before you reach pension age. If you have not received this by three months before your birthday, call the State Pension claim line.

You can also claim your pension online through Directgov.

Deferring your pension

If you are working you can either work and claim the State Pension or delay claiming your pension.

If you delay your pension you will get a higher amount when it is finally paid, or a taxable lump sum.

It is best to get advice before deciding what to do, especially if you get other benefits.

Visit the Directgov website using the links on the right for more information.

Further information

If you have an enquiry or need advice, contact the Welfare Rights team.