State pension age: What age will I get my state pension? | Personal Finance

State pensions are paid to eligible people by the UK Government every four or so weeks. In April 2020 the amount paid to pensioners will increase, in line with the Government’s triple lock scheme.


The state pension aims to make sure every person has the means for a retirement income.

For some people, the state pension is only part of their retirement income as they may have money from a workplace pension, earnings or another pension.

State pensions are increasing later this year, under the Government’s triple lock system.

In April 2020, state pensions will increase by 3.9 percent, the biggest boost since 2012.

To read more on this and to see how much you would get check’s guide here.

State pension age

State pension age: What age will I qualify for a state pension? (Image: GETTY)

state pension 2020

State pension age: You need to reach state pension age to be eligible to receive your pension (Image: GETTY)


State pension: Britons urged to plan ahead as income gap revealed What age will I get my state pension?

The earliest you can get a state pension is when you reach state pension age.

Currently for men and women state pension age is 65 and will increase to 66 in October 2020.

Then the state pension age will again increase between 2026 and 2028 to 67-years-old.

state pension explained

State pension age: You can defer your state pension payments if you wish (Image: GETTY)

With plans in place to put up the state pension age, you can use the Government’s calculator here to work out when you will be eligible for state pension payments.

You’re eligible for the basic state pension if you were born before:

April 6 1951 if you’re a manApril 6 1953 if you’re a woman

You don’t have to receive state pension when you reach state pension age, you can defer payments.

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Deferring your State Pension could increase the payments you get when you decide to claim it.

Any extra payments you get from deferring could then be taxed.

Funds for state pensions come from National Insurance (NI) contributions made over a series of years.

According to, to get the full basic state pension you need a total of 30 qualifying years of NI contributions or credits.

To be entitled to the new full State Pension, you will need to have made qualifying National Insurance contributions for 35 years.

state pension increase 2020

State pension age: State pension amounts will increase from April 2020 (Image: GETTY)

This means you were either:

working and paying National Insurancegetting National Insurance Credits, for example for unemployment, sickness or as a parent or carerpaying voluntary National Insurance contributions

You do not get your state pension automatically, it has to be claimed.

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There are three ways to do this

Over the phoneDownload the State Pension claim form and send it to your local pension centreClaim from abroad

For more information on this visit the Government’s official website here.