State Pension age: How old do you have to be to claim the UK State Pension

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State Pension is something that Britons are entitled to in later life.

After a long working career, the government gives back money to those who have made National Insurance contributions.

The State Pension can be claimed at the age of retirement, but the ages for the basic and new State Pension differ.

How old do you have to be to claim the State Pension?

Basic State Pension

There are two types of State Pension that exist, the new State Pension and the basic.

According to the government pension website, you can claim the basic pension if you are a man born before 6 April 1951 or a woman born before 6 April 1953.

As per Gov.UK, to get the basic State Pension you must have paid or been credited with National Insurance contributions.

The most you can get is currently £125.95 a week, but it increases every year by whichever is highest out of the average percentage growth in wages, the percentage growth in prices in the UK or 2.5 per cent.

New State Pension

For those born later, the new State Pension can be claimed instead.

You are able to claim the new State Pension if you are a man born on or after 6 April 1951.

For women, you have to born on or after 6 April 1953.

According to the government website, the earliest you can get the new State Pension is when you reach State Pension age, which is dependant on your gender and age.

To get the new State Pension you’ll need at least 10 years of qualifying years on your National Insurance record.

Britons living abroad might still be able to get the State Pension if they have paid National Insurance contributions.

The full new State Pension is £164.35 per week, but how much you actually get will depend on your National Insurance record.

The new State Pension could be higher if you have a certain amount of additional State Pension. 

It can also increase if you chose to defer taking the State Pension.

Many Britons qualify for additional State Pension, and full details and eligibility checks are available on the government website.

According to Gov.UK, you could be entitled to the Additional State Pension if you are a man born before 6 April 1951. For women, you have to be born before 6 April 1953.

Anyone entitled to Additional State Pension already receives it automatically with their overall pension if they reached State Pension age before 6 April 2016.



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