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The State Pension

The value of pensions and the income they produce can fall as well as rise. You may get back less than you invested.

Tax treatment varies according to individual circumstances and is subject to change.

What are State Pensions?

State Pensions are paid by the government and can provide an income in retirement. Anyone who has worked and paid enough National Insurance (NI) contributions for a set number of years should be eligible for the basic state pension.

State Pension entitlements

It is currently paid to women over the age of 60 and men over the age of 65. The retirement age however, is increasing each year and by 2028, is expected to be 67. To find out more about what you are entitled to receive, please refer to GOV.UK.

Most people believe everyone receives the full basic State pension on retirement, but thousands don’t. The amount you are entitled to depends on the number of years you have worked and the amount of National Insurance contributions you have paid.

Pension contributions

You must have been credited for making National Insurance contributions for 30 ‘qualifying years’ to be entitled to a full basic state pension. You could be in for a shock if you have missed contributions – the fewer credits you have, the smaller your slice of the State pension will be. If you have 10 or 11 qualifying years you will get only 25% of the basic pension – if you have less than that you may get nothing.

Qualifying years

These are years in which you have received qualifying earnings and paid National Insurance contributions. In some circumstances you may be credited with earnings even if you were not working. This is likely if you are, or were, incapable of working due to illness, caring for someone or in receipt of certain benefits.

Pension Tracing Service

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This website does not constitute personal advice. If you are in doubt as to the suitability of an investment please contact one of our advisers.

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The guidance and/or information contained in this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK. is a trading style of Beals Mortgage and Financial Services Ltd an appointed representative of Quilter Financial Services Limited and Quilter Mortgage Planning Limited which are authorised and regulated by the Financial Conduct Authority.

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