State pension payments require at least 10 years of National Insurance contributions to be claimed, with at least 35 years needed to receive the full amount of £179.60 per week. However, the payments can be increased beyond this amount if a person defers their claim.
Additionally, state pensions cannot be built up if the person’s partner is getting income support, pension credit, Universal Credit, employment and support allowance or jobseeker’s allowance.
To claim a deferred state pension, a person will need to apply online if they’ve deferred for less than a year.
They’ll also be able to apply over the phone or by completing a specific claim form.
If a person has deferred for more than a year, they’ll need to call the Pension Service to claim.
Ahead of reaching their state pension age, people will be able to get a payment forecast through the Government’s website.
The Government has a forecasting tool which will allow users to find out how much state pension they could get, when they can claim it and how to increase it if they can.
State pensions can only be claimed from a specific age, which is currently 66 for most people.
This retirement age will be rising to 67 between 2026 and 2028 and beyond this, it will reach 68 by 2046.