State pension deferment won’t boost payments if certain benefits are claimed – full list

express– State pension claimants can receive £175.20 per week if they’ve collated at least 35 years of National Insurance contributions. It is possible to increase what will be paid out further if a person decides to defer taking their payments for a certain amount of time.

State pensions can be increased so long as a person defers taking their payments for at least nine weeks.

The payments will rise 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.

These increases will take the payments beyond the “full” amount and will be boosted further by triple lock changes.

However, if a person receives certain other state benefits, they will not be able to increase or build up any extra state pension.

Retirees will not be able to boost state pension payments during any period they receive:

  • Income Support
  • Pension Credit
  • Employment and Support Allowance (income-related)
  • Jobseeker’s Allowance (income-based)
  • Universal Credit
  • Carer’s Allowance
  • Incapacity Benefit
  • Severe Disablement Allowance
  • Widow’s Pension
  • Widowed Parent’s Allowance
  • Unemployability Supplement

Additionally, people will not be able to build up extra state pension during any period their partner gets:

  • Income Support
  • Pension Credit
  • Universal Credit
  • Employment and Support Allowance (income-related)
  • Jobseeker’s Allowance (income-related)

When a person is ready to claim a deferred state pension they will be able to do so by applying online so long as the deferment lasted for a year or less.

Where a person has deferred for more than a year, they’ll need to call the official pension service to claim.

When claimed, state pensions are usually paid every four weeks into the account of the claimant’s chosen account.

Initial payments will arrive within five weeks and payments will arrive monthly beyond that.

The actual day of the week pensions will come through on will depend on a person’s National Insurance number.

The last two digits of a person’s National Insurance number will determine when payments will arrive, as detailed below:

  • 00 to 19 – Monday
  • 20 to 39 – Tuesday
  • 40 to 59 – Wednesday
  • 60 to 79 – Thursday
  • 80 to 99 – Friday


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