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Review of the State Pension Age

The interim report from Sir John Cridland on the review of State Pension Age talks about affordability, fairness and fuller working lives.The full report will come out next year, and Sir John Cridland has talked about various options in the interim report including the possibility of giving people early access to their state pension. However, this report is a good reminder that people need to keep up to date with the age at which they will get their State pension and how much they will get. The introduction of the new State pension in April 2016 did not mean that everyone gets the same State pension – how much you get will depend upon your pension history.

Our top tips for your State Pension are:

  • Make sure to find out your State Pension Age 
  • Ask for a State Pension Statement
  • Check that your National Insurance record is correct. If you are unsure about any gaps in your national insurance record you should contact the National Insurance Helpline on  0300 200 3500. Alternatively, you could ask for a National Insurance Statement online 
  • If you are not on target to receive your full State pension, think about whether you should make Class 3 voluntary National Insurance contributions as for some people this may be a good way to increase their State pension. You can find out more by reading our dedicated spotlight document
  • If you reached State Pension age before April 2016 and are not entitled to the full State Pension, think about whether you should make Class 3A voluntary National Insurance contributions before April 2017, when this opportunity ends.
  • And if you are not able to increase your State pension you may wish to consider increasing savings into a private pension – from 2018 almost all employees will be automatically enrolled into their employer’s pension scheme .

If this sounds daunting, contact The Pensions Advisory Service on 0300 123 1047 or through www.pensionsadvisoryservice.org.uk. We will talk you through your own personal situation.

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