How to claim your state pension; what you need to know.
When can you claim your state pension and what do you have to do?
When you reach state pension age, you will start to receive your state pension. But, you won't get it automatically. You have to claim it. It's quite straightforward and there are several different ways you can claim your state pension.
Deferring your state pension; how much extra will you get
The government has announced it will pay people a lot less to defer their state pension after April 2016
You can be paid your state pension from the date you reach state pension age, but you don't have to take it then. Instead, you can defer it. At the moment, you get an extra 10.4% for every year that you put off taking your state pension, or you can get a lump sum. The government has just announced that for people reaching state pension age in April 2016, they'll get less.
Getting National Insurance credits for your state pension if you're a carer
Being a carer and your state pension: don't lose out on National Insurance credits.
Many people – mostly women – who act as carers used to miss out on the state pension. Under the old rules you needed to receive a benefit called Carer’s Allowance to trigger credits for National Insurance contributions for your state pension, which many carers weren't entitled to receive. But on April 6th 2010, the rules changed and anyone caring for someone for 20 hours a week or more now get credits towards their state pension.