deferring state pension.....question

building

if you defer your state pension by a year but lets say you fall ill within that 1st year and you need your money because you cannot work could you then ask to get your state pension. I am told you would lose your right. any tips appreciated.
thanks in advance.

CIS

you could claim your state pension at any point , subject to 2 points

1) to receive a lumpsum you have to have deferred for 12months or more

2) increments only are given given for periods of deferral of 5 weeks or more.

i have a quick excel calculator for state pension lump sum/increment calculations, please contact me if it will be of any help to you.

crossleydd42

This might be of use:

http://www.thepensionservice.gov.uk/aboutus/2005/feb/spd.asp