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Women and the State Pension

Over the last few years, a number of significant changes have been made to the State Pension entitlement for women.

State Pension age

The State Pension age is no longer 60 for women. It changed to 65 for women between 2010 and 2018 and is now increasing in stages, alongside men, until it has reached 68. It's important to check when you are due to reach your State Pension age as this may change in the future.

Click here to find out more information visit our ‘know your State Pension age’ section.

New State Pension

If you enter the National Insurance system on or after 6 April 2016 you currently need 35 years' worth of contributions in order to get the maximum pension. For everyone else, transitional rules apply. Some people may not have the required amount of National Insurance contributions or credits due to taking career breaks and/or taking care of dependants. It's therefore important to check how much State Pension you are eligible to receive.

Paying voluntary national insurance contributions

If you find that your National Insurance contribution history is not enough to give you a full State Pension, you may be able to pay voluntary contributions to increase your entitlement.

Click here for more information on our voluntary NI contributions section.

State Pension reform

There were a number of changes that were introduced to the State Pension in April 2016. This could affect the benefit that you may receive in the future.

To find out more about change to the State Pension, please click here and read our dedicated pages on pension reforms. 

You’re born after 5 April 1953

You have until 5 April 2023 to pay voluntary contributions to make up for gaps between April 2006 and April 2016.

You had the opportunity to pay these contributions at different rates if they were paid by 5 April 2019.

Frequently asked...

Where can I find out more?

If you need more information, please contact us. A pension specialist from our team will be happy to help with whatever pensions-related question you have. Our help is always free.

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