IMPORTANT! This is MoneySavingExpert's open forum - anyone can post

Please exercise caution & report any spam, illegal, offensive, racist, libellous post to

  • Be nice to all MoneySavers
  • All the best tips go in the MoneySavingExpert weekly email

    Plus all the new guides, deals & loopholes

  • No spam/referral links
or Login with Facebook
when do you get your state pension?
Closed Thread
Views: 5,806
Thread Tools Search this Thread Display Modes
# 1
Old 11-04-2011, 12:24 PM
MoneySaving Convert
Join Date: Mar 2011
Posts: 24


Last edited by jull; 28-10-2011 at 3:28 PM.
jull is offline
Report Post
# 2
Old 11-04-2011, 12:56 PM
Serious MoneySaving Fan
Join Date: Nov 2008
Posts: 1,872

I started to query this point after my 65th birthday and my state pension did not arrive when I was expecting it.

The complex ruling is as follows :

Your "pay day" falls on the same weekday every time it is due and that weekday is dependent on the digits in your NI number - this is so that everyone does not get paid on the same day of the week and that the selection of that day is arbitrary. This is to avoid the entire senior citizen population without a bank account all queuing at the post office on the same day.

Your pension starts, not on your retirement day (as one would expect) but on the first payday after that. You are then paid for the first time, in arrears, on the following payday.

This means that if you are unlucky with the allocation of your payday then you can go for 6 days after your retirement date with no pension earned at all. You then have to wait a further month (if you are paid by BACS) for receipt of your first payment.
david39 is offline
Report Post
# 3
Old 11-04-2011, 12:59 PM
Fantastically Fervent MoneySaving Super Fan
Join Date: Feb 2006
Location: Wiltshire
Posts: 8,507

Depends on how you elect to have it paid, either weekly or 4 weekly. The actual day does vary, may be affected by any other state payments.

I will be 65 in a few weeks on a Friday, I have elected to be paid weekly and have been told first payment will be the following Tuesday.
moonrakerz is offline
Report Post
# 4
sleepless saver
Old 11-04-2011, 1:09 PM
Fantastically Fervent MoneySaving Super Fan
Join Date: Sep 2004
Posts: 2,545

Last two numbers of National Insurance number correspond to pay week ending days as follows:

00 to 19 Monday
20 to 39 Tuesday
40 to 59 Wednesday
60 to 79 Thursday
80 to 99 Friday
sleepless saver is offline
Report Post
# 5
Old 20-01-2012, 12:11 PM
MoneySaving Convert
Join Date: Oct 2007
Posts: 20
Default Pension start date versus payment date

Wanted to re-open this thread - as it's just happening to me right now.

The problem is not with the pay-day itself, but with the start date of the pension. My birthday was 25th December (yes, I know). I have been informed that my pension begins on 31st of December and my 1st payment will be 27th January. In other words I have lost out on 1 week's pension.

My wife paid the married women's NI contribution throughout, so she does not have a pension in her own right, but has a pension based on my contributions (it's 3/5th the full pension). However, the Pensions Department, nevertheless, deal with us separately, and she has been told that her pension STARTS on the 26th December, and she has just received her first (in arrears) payment today (20th January).

Varying the date on which the payments are made is one thing, but varying the actual start date of the pension is something else entirely - especially when it's the same pension contributions that generate both my wife's and my entitlement!
(Note also that, in our case, both our payments are made on the same day of the week - it's just that I lose out on one week's money compared with my wife.

When I queried this just now with the Pensions department, I was told that this [variation of start date with NI number] was legislation. Is this a case where a perfectly sensible arrangement to spead out payment dates has been over-interpreted to mean that the pension start date can be delayed. They could easily, in my case, have kept the 1st payment date as stated, but paid me 5 weeks money.

Anybody know the answer to this?

bluebridge is offline
Report Post
# 6
le loup
Old 20-01-2012, 12:39 PM
Fantastically Fervent MoneySaving Super Fan
Join Date: Jul 2010
Posts: 2,877

Originally Posted by bluebridge View Post
In other words I have lost out on 1 week's pension.
No you haven't. You get it at the other end! Just arrange your death on the right date and you will be fine.
le loup is offline
Report Post
The Following 2 Users Say Thank You to le loup For This Useful Post: Show me >>
# 7
Old 20-01-2012, 1:41 PM
Serious MoneySaving Fan
Join Date: Nov 2008
Posts: 1,872

In other words I have lost out on 1 week's pension.

Yes, you have (so did I) but that's the way the legislation was enacted so if you feel so strongly about it, you need to talk to your MP and get the legislation altered for future pensioners.

Unfortunately for you and me, it's too late. They will not pass an amendment to the act that backdates such a change.

I found there was an even larger loss on my employment pension because that was calculated over a monthly period, not a week.

Personally, I intend living so long that one week's state pension will be peanuts compared with the total sum I receive.
david39 is offline
Report Post
The Following 2 Users Say Thank You to david39 For This Useful Post: Show me >>
Closed Thread


Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off

 Forum Jump  

Contact Us - - Archive - Privacy Statement - Top

Powered by vBulletin® Copyright ©2000 - 2015, Jelsoft Enterprises Ltd.

All times are GMT. The time now is 4:27 AM.

 Forum Jump  

Free MoneySaving Email

Top deals: Week of 25 March 2015

Get all this & more in MoneySavingExpert's weekly email full of guides, vouchers and Deals

GET THIS FREE WEEKLY EMAIL Full of deals, guides & it's spam free

Latest News & Blogs

Martin's Twitter Feed

  • RT @wickwar: @MartinSLewis I had the dilemma of what time do I set the timer for the automatic doors on the chicken coop....
  • Ok so who's having "will my phone automatically do the time change? What time do I set the alarm for" dilemma. #TimeChangeDilemma
  • Don't forget we time travel into the future tonight. At 1am it instantly becomes 2am. Lighter evenings. Hurrah.

Cheap Travel Money

Find the best online rate for holiday cash with MSE's TravelMoneyMax.

Find the best online rate for your holiday cash with MoneySavingExpert's TravelMoneyMax.

MSE's Twitter Feed