State pension explained
- Basic state pension- who gets what
- Second state pension- how it works
- Pension credit- qualifying rules
- Deferring state pension
What's in this guide
The state pension is the first part of most people's retirement income. To get the full amount you need to have made enough National Insurance contributions.
Second state pension is paid in addition to basic state pension to those who have made sufficient NI contributions (and have not 'contracted out').
Pension credit is a means-tested benefit paid in addition to basic state pension to take your income to a guaranteed minimum. This is currently £137.35.
You can put off claiming your state pension and receive a higher income when you eventually decide to take it.