State pension UK: Starting payments may be reduced by certain private schemes – full list

State pension rules were altered in 2016 when a “new” system was put into place. While the new system has different rules on National Insurance contributions there were still likely to be many people who built up a record under the old rules.

This is known as being “contracted out” of the additional state pension and will affect most people who have been in work.

To check on this, claimants will need to contact their pension provider(s) to see if they were contracted out.

Additionally, a person can check their old payslips.

If they were contracted out, their National Insurance contributions line will have the letter D or N next to it.

State pensions can only be received by those who have reached the state pension age, which is currently sitting at 66.

However, it will be rising to 67 between 2026 and 2028.

Beyond this, it is expected to rise to 68 by 2046.

When a person is ready to claim their state pension, they can do so online, over the phone or through the post.


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