State pension? Can you claim it early? How to get your state pension



The state pension is £164.35 per week. Britons are paid the sum every four weeks. You can claim the new State Pension if you’re a man born on or after 6 April 1951 or a woman born on or after 6 April 1953. If you don’t fall into this category then you are eligible for the basic state pension.

Can state pension be taken early?

It is not possible to get your state pension before you reach state retirement age.

Even if you stop working before that age, it is not possible to get your state pension.

It is possible to take money from your private pension fund early if you are ill or seriously ill.

They government website states: “You may be able to take your pot before you’re 55 if you can’t work because you’re too ill.

“Speak to your provider about the rules of your pension – it’ll depend on their definition of ‘ill health’.”

So, what is the state pension age

The state pension age is different for some Britons, depending on when they were born.

It was recently equalised between the genders to be 65 for men and women.

The state pension age used to be younger for women.

More changes are in the pipeline, with the state pension age due to reach 66 by 2020.

By 2028, Britons are set to see this figure become 67, with plans for it to eventually become 70.

How to claim your state pension

You will not just get your state pension automatically when you reach state pension age.

The government said: “You should get a letter and booklet from the Pension Service about four months before you reach the State Pension age.

“If you don’t, give the Pension Service a call on 0800 731 7898 (textphone: 0800 731 7339).

“You can claim your pension online, over the phone or by post.

“You will need to provide your National Insurance number when you make a claim and you may need to provide evidence of your date of birth.”


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