Dear TPAS
I am 61. I would like to stop working at 63. I have paid full NI
contributions since the age of 15. Will I be entitled to a full
state pension at 65, even if I stop working at 63.
Answer
To qualify for the full basic state pension, you need to have
paid, or been credited with having paid, NI contributions for at
least 30 years.
If you will have a full NI contribution history up to the age of
63, when you decide to stop working, you will have accrued the 30
years you need. You are therefore likely to receive the full basic
state pension.
I suggest you contact The Pension Service and request a state
pension forecast. The forecast will tell you what you have built up
to date and, if you are unlikely to qualify for the full basic
state pension, what you can do to plug any gaps.
A state pension forecast is available by calling 0845 300 0168 or
you can apply online by clicking here.
You can call our helpline on 0845 601 2923 if you would like to discuss any of the issues related here.
