UK Pension



Main facts about UK pensions

There are two parts to how State Pension is paid

  • A Basic Pension
  • An additional State Pension

Basic State Pension is a systematic payment from the Government which provides you with a regular income when you reach.

State Pension age. It is benefit paid at a flat rate, thus based on the number of qualifying years in which you paid National Insurance Contributions from your earnings or have been credited with them by the Government (if unemployed or claimed certain benefits).

The age you can claim state pension is currently 65 for men, but is slowly changing. There is an increase for women from 60 which should reach 65 by November 2018. Proposals are in place which suggests to increase the age for both men and women to 66 by October 2020 which could further rise later.

Men who were born after 5 April 1945 and women born after 5 April 1950 require 30 qualifying years for a full Basic State Pension. It is a necessity for men who were born before 6 April 1945 to have 44 qualifying years for a full Basic State Pension, and women born before 6 April 1950 need 39 years. To get any State Pension, an individual needs 25 % of the qualifying years for a full pension.

Individuals may choose to pay voluntary National Insurance contributions to boost their records in terms of pensions if they have less qualifying years.

It is possible to claim State Pension online and paid directly to your bank account when you are 4 months into your State Pension age.

State Pensions can be claimed even once you reach past the State Pension age and continue to work. In some circumstances, you can postpone your State Pension and receive it later in a larger sum when you do claim.

You could obtain an Additional State Pension (The State Second Pension or S2P) as opposed to the Basic State Pension.

The Additional State Pension is an extra amount of money which you could gain with your Basic State Pension. The amount you receive is based on how much you paid through National insurance and depends on whether you claimed certain benefits, no fixed amount is given unlike the Basic State Pension.

The Additional State Pension is paid combined with your Basic State Pension. Reaching the required age for a State Pension after claiming the Basic State pension, you automatically receive an Additional State Pension unless you opt out of the contract. Opting out only occurs once a company runs a contracted out pension scheme which you could check with your employer.

It is not necessary to contribute to the Additional State pension if you remain a member of a contracted out workplace pension. Consequently, when you retire you will either receive a reduced Additional State Pension or nothing.


Being employed may entitle you to memberships such as employer’s workplace pension schemes.

Contributions would need to be paid which is then deducted from your salary and paid into the scheme by your employer. The contributions are invested until retirement, thus allowing the employer to contribute to the scheme which further adds to your savings.

All employers must enrol eligible workers into a workplace pension scheme by 2018 if they:

  • Have not reached state pension age
  • At least 22 years old
  • Work in the UK under their contract
  • Earn more than a minimum annual wage (currently £9,440).

The minimum age you can obtain your pension is when you reach 55, unless you retire on the grounds of ill health retirement. You can collect a cash lump sum and the rest in the form of pension. Employers must organise all arrangements and are required to pay a minimum contribution into the pension scheme on behalf of their eligible workers.

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