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State Pension

From April 2016 the new single tier State Pension was introduced set at a rate of £155.65 per week.

Men born on or after 6 April 1951 and women born on or after 6 April 1953 will be entitled to receive the full single tier state pension if they have 35 years qualifying NI earnings.
 
Individuals who have paid NI contributions for at least 10 years will normally be entitled to a state pension however this will not be the full amount.
 

Impact on the single tier state pension of being contracted-out 

Where an individual has been a member of a contracted-out pension scheme at any point in their working life this will impact on the amount of the single tier state pension they will be entitled to receive. Further information on contracting-out and the single tier pension can be found here.
 

State pension statement of entitlement 

The government is keen to ensure that people can check how much state pension they may get under the new system. Individual's are aged 55 or over can now request a personalised new state pension statement.  
 
These statements will now include information on any deduction to the state pension as a result of being a member of a contracted-out pension scheme.
 
The statements also give additional information about how people may be able to improve their state Pension before they reach SPA.

 

Changes to the state pension age 

The current state pension age of 65 will rise to 66 in April 2020 and is due to rise again to 67 between 2026 and 2028. A further increase in the state pension age to 68 is expected during the 2030’s and to 69 later in the 2040's. More information on the UK wide state pension scheme can be found here.
 
You can use an interactive State Pension Age calculator to work out your state pension age.
 
Pensions Minister Ros Altmann has produced a Pensions Blog which provides useful information on the new State Pension.
 
Further information on the new single tier state penson can be found here.