New State Pension Guide

KimBridgeman41

I have tried to claim my stage pension as I am nearly 66. I have been on line various times and can only get to the verify page where all I get is a continually is a continually whirring circle.  
I have tried calling the phone number offered but there is no answer and I been left holding on for a very long time.  I have run off the pension form but there is no address to send it to. Can you offer me any assistance please?

ChrisEd

Have you been sent a invitation code to get your state pension - should get a letter a few months before due date:

Need to go to www,gov,uk/get-state-pension.

Need to register an account on-line (need NI number and other personal details) and they will send you another code to mobile phone to verify its you. I claimed my pension about a few months ago and had no problems.

xylophone

 I have run off the pension form but there is no address to send it to. Can you offer me any assistance please?

 See https://www.gov.uk/get-state-pension

Applying online is the quickest way to get your State Pension but you can also:

• apply by phone
• download the State Pension claim form and send it to your local pension centre.

jamesd

KimBridgeman41 said:

I have tried to claim my stage pension as I am nearly 66.

Have you considered whether deferring claiming is a good idea? It'll be increased by 5.8% inflation linked per year of deferring if you do.

ChrisEd

jamesd said:

KimBridgeman41 said:

I have tried to claim my stage pension as I am nearly 66.

Have you considered whether deferring claiming is a good idea? It'll be increased by 5.8% inflation linked per year of deferring if you do.

I think its 10.2% per year but there is a limit on how long you can do it for. Although you would eventually get an increased pension you are giving up almost £9000 per year  and have to consider whether you would live long enough to benefit.

You can defer for shoter times - get 1% increase for every 5 weeks delayed. It might be worth deferring for a few months to take you into the next Tax year. say if you were due to retire in January you could potentially get 3% more by deferring to April . It you take Pension in Jan in retirement you would you probably have to pay 20% tax on it. After April you would probably be under personal tax allowance and not pay any tax at all. You would haave to do sums for your personal cirumstance but a short delay to increase you staring Pension by a few per cent could be worth it

Dazed_and_C0nfused

I think its 10.2% per year 

You're a few years out if date.

https://www.gov.uk/deferring-state-pension/what-you-get

ChrisEd

Dazed_and_C0nfused said:

I think its 10.2% per year 

You're a few years out if date.

https://www.gov.uk/deferring-state-pension/what-you-get

I read the old section  the new terms are much less generous. I also suspect that while Tories say the will keep the triple lock they will reduce the minimum increase of 2.5% to between 1 to 1.5%.

sadolddeejay

If I meet all the criteria whereby making Class 3 NI contributions before my retirement age to make up for missing years would normally have increased my state pension forecast (I understand all the caveats around that), BUT I have already reached retirement age and started to receive my state pension, can I increase my pension by retrospectively making contributions for missing years? Or is it the case that once I claim my pension, the voluntary contributions door is closed to me? I cannot find any information about this anywhere, including govt sources.

molerat

Yes, if there are gaps you can fill them.  The rules on paying backdated class 3 voluntary contributions are pretty much the same whether pre or post retirement age. There is a heading in the .gov voluntary contributions page which specifically mentions paying if over retirement age.

t0rt0ise

xylophone said:

 I have run off the pension form but there is no address to send it to. Can you offer me any assistance please?

 See https://www.gov.uk/get-state-pension

Applying online is the quickest way to get your State Pension but you can also:

• apply by phone
• download the State Pension claim form and send it to your local pension centre.

I just tried to find my local pension centre out of interest and it came up blank, as in not a blank page but the headings of "address" "opening hours" etc there but nothing filled in.