State pension UK: DWP updates claiming process as forms are removed – full details
Martin Lewis discusses state pension underpayments
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State pension income is currently split into basic and new categories and to receive the old style of payments, a claimant will need to be born on or before April 6 1951 if they’re a man or, April 6 1953 if they’re a woman. People born after these dates will receive the new state pension, which currently pays out up to £179.60 per week.
Today, the DWP updated the claiming rules for state pensions which specifically affects those born after the 1950s cut offs.
It is now no longer possible to get a state pension claim form for those born on or after April 6 1951 (men) or 1953 (women) on the Government’s website.
The form is no longer available online and instead, the accessible online service can be used, or a paper copy of the form can be requested.
The new state pension can only be claimed by those who have at least 10 years of National Insurance contributions underneath their belt.
To receive the full amount, at least 35 years will be needed.
Claims for a state pension can be made up to four months before a person reaches their state pension age.
The Government details the quickest way to get a state pension is to apply online.
However, the DWP and/or the Pension Service can be called for assistance.
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State pensions can only be claimed from a certain age and currently, this is 66 for most people.
However, the Government has a schedule in place to increase this age over the coming year.
Under the current plans, the state pension age will be increasing to 67 between 2026 and 2028.
Beyond this, it will rise to 68 by 2046.
It should be noted state pensions can be claimed even if a person decides to keep working.
Additionally, state pension claims can be deferred and if this is done for long enough, the eventual payments can even be boosted.
A state pension will increase for every week it is deferred, so long as the deferral lasts at least nine weeks.
The payments will increase by the equivalent of one percent for every nine weeks of deferment.
This works out at just under 5.8 percent for every 52 weeks.
The extra amount will be paid with the regular state pension payments.
Deferred state pensions can also be claimed online.
Full details on all state pension rules can be found on the Government’s website and impartial guidance can be sought from the likes of Citizens Advice and the Money Advice Service.
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