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The state pension

The state pension is a regular payment from the government that most people can claim when they reach State Pension age.

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The amount of State Pension you’ll get depends on how many ‘qualifying’ years of National Insurance payments you have.

This includes National Insurance contributions that you pay when you are working and contributions that are credited to you when you are unable to work. You’ll usually need at least 10 qualifying years on your National Insurance record to get any State Pension. They do not have to be 10 qualifying years in a row.

Your State Pension age depends on when you were born. You can find out your State Pension age by using the calculator on the GOV.UK website. 

You’ll be able to claim the new State Pension if you’re:

- a man born on or after 6 April 1951

- a woman born on or after 6 April 1953

If you reached State Pension age before 6 April 2016, you’ll get the State Pension under the old rules instead.