State Pension: How do I claim my State Pension?


State Pensions were given a boost in April, rising 3.9 percent under the triple lock system. Those of State Pension age and on the New State Pension have seen their weekly funds rise to £175 from 6 April 2020, while those on the Basic State Pension get an increased weekly income of £134.

How can you claim your State Pension?

Claiming your State Pension depends on the type of pension you are eligible for.

This is based on your age – there is more on this below.

You also do not have to claim your State Pension when you reach State Pension age, if you are still working or want to put off payments you can defer.

Below both the basic State Pension and new State Pension claiming methods are detailed.

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New State Pension

You are eligible for the new State Pension if you are:

  • a man born on or after 6 April 1951
  • a woman born on or after 6 April 1953

You will need at least 10 qualifying years on your National Insurance record to get any State Pension. These do not have to be 10 qualifying years in a row.

This means for 10 years at least one of the following applied to you:

  • you were working and paid National Insurance contributions
  • you were getting National Insurance credits for example if you were unemployed, ill or a parent or carer
  • you were paying voluntary National Insurance contributions

Those of State Pension age do not get the new State Pension automatically – you have to claim it.

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You should get a letter around two months before you reach State Pension age, telling you what to do.

If you have not received your invitation letter, but are within four months of reaching your State Pension age you can still make a claim.

The quickest way to get your State Pension is to apply online.

You can apply online using the Gov.uk form here.

You can also apply by phone, or by downloading the State Pension form and sending it to your local pension centre



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