State pension explained

  • Basic state pension- who gets what
  • The new state pension
  • Pension credit- qualifying rules
  • Deferring state pension 

What's in this guide

How much state pension will I get?

Which? explains how the state pension works, what the state second pension is and how the new state penson works and how much you'll get. Contains video

How do I qualify for state pension?

Which? explains how you qualify for the state pension, including our state pension age calculator and how National Insurance contributions affect how much new state pension you'll get.

Pension credit

Pension credit could help boost your state pension. This guide explains what is pension credit, who's entitled to it and how you can claim it.

State second pension and Serps

Get to grips with how the state second pension worked, how much extra state pension you could get as a result and more on the SERPS, S2P and the new state pension.

Deferring your state pension

Understand your options on deferring your state pension, how much extra you might gain and whether it's really a good deal.

Widow's pension and bereavement allowance

This guide explains what pension you're entitled to if you're widowed, and other allowances you get for bereavement.

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