{"id":14298,"date":"2024-10-07T12:03:29","date_gmt":"2024-10-07T10:03:29","guid":{"rendered":"https:\/\/pattersonmills.ch\/?p=14298"},"modified":"2025-05-14T19:10:23","modified_gmt":"2025-05-14T17:10:23","slug":"your-essential-guide-to-the-uk-state-pension","status":"publish","type":"post","link":"https:\/\/pattersonmills.ch\/fr\/your-essential-guide-to-the-uk-state-pension\/","title":{"rendered":"Your Essential Guide to the UK State Pension"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"14298\" class=\"elementor elementor-14298\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-734921c3 elementor-section-full_width elementor-section-height-min-height elementor-section-items-stretch elementor-hidden-mobile elementor-section-height-default\" data-id=\"734921c3\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-3b1a362b\" data-id=\"3b1a362b\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;none&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5ed26ed5 elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"5ed26ed5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Your Essential Guide to the UK State Pension<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7da17c6 elementor-align-left elementor-widget elementor-widget-post-info\" data-id=\"7da17c6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-inline-items elementor-icon-list-items elementor-post-info\">\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-15df7ff elementor-inline-item\" itemprop=\"author\">\n\t\t\t\t\t\t<a href=\"https:\/\/pattersonmills.ch\/fr\/author\/charles\/\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-user-circle\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-author\">\n\t\t\t\t\t\t\t\t\t\tCharles Mills\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-e5e8838 elementor-inline-item\" itemprop=\"datePublished\">\n\t\t\t\t\t\t<a href=\"https:\/\/pattersonmills.ch\/fr\/2024\/10\/07\/\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-calendar\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-date\">\n\t\t\t\t\t\t\t\t\t\t<time>octobre 7, 2024<\/time>\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-65f2ab20 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"65f2ab20\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>&#8220;A generous basic state pension is the least a civilised society should offer those who have worked hard and saved through their whole lives&#8221; \u2014 George Osborne<\/p><div><span style=\"background-color: var( --e-global-color-04ee521 ); color: var( --e-global-color-3429fff ); font-size: inherit; letter-spacing: -0.015em; text-align: inherit;\">5 min read<\/span><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-5818ac77\" data-id=\"5818ac77\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3425518c elementor-widget elementor-widget-spacer\" data-id=\"3425518c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-62d66db8 elementor-section-full_width elementor-hidden-desktop elementor-hidden-tablet elementor-section-height-default elementor-section-height-default\" data-id=\"62d66db8\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-28ec48d1\" data-id=\"28ec48d1\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1e19e2cd elementor-widget elementor-widget-image\" data-id=\"1e19e2cd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1344\" height=\"756\" src=\"https:\/\/pattersonmills.ch\/wp-content\/uploads\/2024\/10\/08.2024-2-07.10.2024-R.jpg\" class=\"attachment-full size-full wp-image-14334\" alt=\"UK State Pension Credit Card\" srcset=\"https:\/\/pattersonmills.ch\/wp-content\/uploads\/2024\/10\/08.2024-2-07.10.2024-R.jpg 1344w, https:\/\/pattersonmills.ch\/wp-content\/uploads\/2024\/10\/08.2024-2-07.10.2024-R-300x169.jpg 300w, https:\/\/pattersonmills.ch\/wp-content\/uploads\/2024\/10\/08.2024-2-07.10.2024-R-1024x576.jpg 1024w, https:\/\/pattersonmills.ch\/wp-content\/uploads\/2024\/10\/08.2024-2-07.10.2024-R-768x432.jpg 768w, https:\/\/pattersonmills.ch\/wp-content\/uploads\/2024\/10\/08.2024-2-07.10.2024-R-18x10.jpg 18w, https:\/\/pattersonmills.ch\/wp-content\/uploads\/2024\/10\/08.2024-2-07.10.2024-R-1200x675.jpg 1200w\" sizes=\"(max-width: 1344px) 100vw, 1344px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7fb0ba09 elementor-section-full_width elementor-hidden-desktop elementor-hidden-tablet elementor-section-height-default elementor-section-height-default\" data-id=\"7fb0ba09\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4fe26bcf\" data-id=\"4fe26bcf\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;none&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-281c4020 elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"281c4020\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Your Essential Guide to the UK State Pension<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2fd9df72 elementor-align-left elementor-widget elementor-widget-post-info\" data-id=\"2fd9df72\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-inline-items elementor-icon-list-items elementor-post-info\">\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-15df7ff elementor-inline-item\" itemprop=\"author\">\n\t\t\t\t\t\t<a href=\"https:\/\/pattersonmills.ch\/fr\/author\/charles\/\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-user-circle\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-author\">\n\t\t\t\t\t\t\t\t\t\tCharles Mills\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-e5e8838 elementor-inline-item\" itemprop=\"datePublished\">\n\t\t\t\t\t\t<a href=\"https:\/\/pattersonmills.ch\/fr\/2024\/10\/07\/\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-calendar\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-date\">\n\t\t\t\t\t\t\t\t\t\t<time>octobre 7, 2024<\/time>\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6c96a1f elementor-widget elementor-widget-text-editor\" data-id=\"6c96a1f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"quote-quotation\"><div class=\"quote-quotation\"><div class=\"quote-quotation\"><p>&#8220;A generous basic state pension is the least a civilised society should offer those who have worked hard and saved through their whole lives&#8221; \u2014 George Osborne<\/p><div><span style=\"background-color: var( --e-global-color-04ee521 ); color: var( --e-global-color-3429fff ); font-size: inherit; letter-spacing: -0.015em; text-align: inherit;\">5 min read<\/span><\/div><\/div><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-615b64f5 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"615b64f5\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-62e468d2\" data-id=\"62e468d2\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;none&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bf527f2 elementor-widget elementor-widget-text-editor\" data-id=\"bf527f2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<iframe src=\"https:\/\/odio.ai\/embed\/ce99b68c0929018a\" scrolling=\"no\" height=\"125px\" width=\"100%\" frameborder=\"0\" allowfullscreen><\/iframe>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6ccdad0 elementor-widget elementor-widget-text-editor\" data-id=\"6ccdad0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Receiving the UK State Pension is an important milestone for millions of people across the UK, and even those abroad.\u00a0<span style=\"letter-spacing: -0.255px; color: var( --e-global-color-3429fff ); background-color: var( --e-global-color-294aba5 );\">Reaching State Pension Age (SPA) represents the age at which individuals become eligible to claim their State Pension.<\/span><\/p><p><span style=\"font-size: inherit; text-align: inherit; color: var( --e-global-color-3429fff ); background-color: var( --e-global-color-294aba5 ); letter-spacing: -0.015em;\">A State Pension is a government-provided financial benefit designed to help people during retirement.<\/span><\/p><p>Understanding the state pension, how it&#8217;s changing, and its implications is crucial for anyone planning their future finances.<\/p><h5>UK State Pension Changes on 6 April 2016<\/h5><p>The first important point about the UK State Pension is that it changed on the 6th April 2016 to become the &#8220;New State Pension&#8221; for those who reach State Pension age from that date onwards. This includes men born on or after 6th April 1951 and women born on or after 6th April 1953.<\/p><p>Before the 6th April 2016, there was the &#8220;Basic State Pension&#8221; which was for those who reached the State Pension age before that date.<\/p><p>As you will already be receiving the Basic State Pension if you were eligible (thus hopefully already know how much you should be receiving!), we will be looking at the New State Pension in this article.<\/p><div><p><span style=\"color: var( --e-global-color-3429fff ); font-family: Helvetica, sans-serif; font-size: 2.4rem; font-weight: bold; letter-spacing: -0.0415625em; text-align: inherit; background-color: var( --e-global-color-294aba5 );\">Who is Eligible?<\/span><\/p><p>The New State Pension is a regular payment from the UK government to people who have reached the qualifying age after 6th April 2016 and have made sufficient National Insurance contributions (NICs) over their working life.<\/p><p>&#8216;Sufficient&#8217; NICs means that you have at least 10 qualifying years of contributions, with 35 qualifying years of contributions being required for the full New State Pension.<\/p><p>The UK State Pension is separate from any workplace or private pensions that you may have and, as of the date of this article, is <b>not<\/b>\u00a0means-tested, so everyone with enough qualifying years, and has reached State Pension Age, is eligible.<\/p><h5><span style=\"color: var( --e-global-color-3429fff ); font-family: Helvetica, sans-serif; font-size: 2.4rem; font-weight: bold; letter-spacing: -0.0415625em; text-align: inherit; background-color: var( --e-global-color-294aba5 );\">What Is the Current UK State Pension Age?<\/span><\/h5><p>Remember, the State Pension Age is <b>not<\/b> fixed; it has been gradually rising due to increased life expectancy and demographic changes.<\/p><p>In addition, each year that the State Pension Age is increased is a year that the UK Government does not have to pay the State Pension. Therefore, this saves the UK Government a significant sum of money over time.<\/p><p>\u00a0Currently, as of the date of this article, the UK State Pension Age is:<\/p><ul><li>67 years for both men and women<\/li><\/ul><div><p>However, if you were born before 6 April 1968, please see the below table:<\/p><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e2571ce elementor-widget elementor-widget-image\" data-id=\"e2571ce\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"834\" height=\"510\" src=\"https:\/\/pattersonmills.ch\/wp-content\/uploads\/2024\/10\/UKSPA-DOB-1968.png\" class=\"attachment-full size-full wp-image-14306\" alt=\"UK State Pension Age for those born before 1968\" srcset=\"https:\/\/pattersonmills.ch\/wp-content\/uploads\/2024\/10\/UKSPA-DOB-1968.png 834w, https:\/\/pattersonmills.ch\/wp-content\/uploads\/2024\/10\/UKSPA-DOB-1968-300x183.png 300w, https:\/\/pattersonmills.ch\/wp-content\/uploads\/2024\/10\/UKSPA-DOB-1968-768x470.png 768w, https:\/\/pattersonmills.ch\/wp-content\/uploads\/2024\/10\/UKSPA-DOB-1968-18x12.png 18w\" sizes=\"(max-width: 834px) 100vw, 834px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3b5d5ff elementor-widget elementor-widget-text-editor\" data-id=\"3b5d5ff\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div><span style=\"background-color: var( --e-global-color-294aba5 ); color: var( --e-global-color-3429fff ); text-align: inherit;\">We expect the State Pension Age to continue increasing over the next decades.<\/span><\/div><div class=\"sc-18fde0d6-0 dlWCEZ\" data-component=\"text-block\"><div><h5><span style=\"color: var( --e-global-color-3429fff ); font-family: Helvetica, sans-serif; font-size: 2.4rem; font-weight: bold; letter-spacing: -0.0415625em; text-align: inherit; background-color: var( --e-global-color-294aba5 );\">How Much Do You Receive?<\/span><\/h5><div><span style=\"font-size: inherit; text-align: inherit; color: var( --e-global-color-3429fff ); background-color: var( --e-global-color-294aba5 ); letter-spacing: -0.015em;\">The amount you receive under the New State Pension system (as of the 2023\/2024 tax year) is up to <\/span><strong style=\"font-size: inherit; text-align: inherit; color: var( --e-global-color-3429fff ); background-color: var( --e-global-color-294aba5 ); letter-spacing: -0.015em;\">\u00a3221.30 per week<\/strong><span style=\"font-size: inherit; text-align: inherit; color: var( --e-global-color-3429fff ); background-color: var( --e-global-color-294aba5 ); letter-spacing: -0.015em;\">\u00a0although this amount may increase based on annual reviews (see the &#8220;Triple Lock&#8221; below).<\/span><\/div><\/div><div><div>\u00a0<\/div><div>For those receiving the Basic State Pension (before 6th April 2016), the maximum is <strong>\u00a3156.20 per week<\/strong>, but they may also be eligible for additional pension benefits based on factors such as earnings and NICs.<\/div><h5>What is the &#8220;Triple Lock&#8221;?<\/h5><\/div><div class=\"sc-18fde0d6-0 dlWCEZ\" data-component=\"text-block\"><p class=\"sc-eb7bd5f6-0 fYAfXe\">The &#8220;Triple Lock&#8221; is a system that was implemented by the Conservative-Liberal Democrat coalition Government in the UK back in 2010 that ensures the UK State Pension kept pace with the rising cost of living.<\/p><p class=\"sc-eb7bd5f6-0 fYAfXe\">Under the triple lock system, the State Pension increases each April in line with the higher of:<\/p><\/div><div class=\"sc-18fde0d6-0 dlWCEZ\" data-component=\"text-block\"><ol class=\"sc-5c9c90b0-0 cnfHHs\"><li class=\"sc-8d73edac-0 ezcCTE\">inflation in the September of the previous year, using Consumer Prices Index (CPI)<\/li><li class=\"sc-8d73edac-0 ezcCTE\">the average increase in total wages across the UK for May to June of the previous year<\/li><li class=\"sc-8d73edac-0 ezcCTE\">2.5%<\/li><\/ol><\/div><div class=\"sc-18fde0d6-0 dlWCEZ\" data-component=\"text-block\"><p class=\"sc-eb7bd5f6-0 fYAfXe\"><span style=\"font-size: inherit; text-align: inherit; color: var( --e-global-color-3429fff ); background-color: var( --e-global-color-294aba5 ); letter-spacing: -0.015em;\">Since July 2024, Chancellor Rachel Reeves has said the Labour government will keep the triple lock until the end of the current Parliament.<\/span><\/p><\/div><\/div><h5>Can You Claim Your State Pension Early?<\/h5><p>In general, you cannot claim your UK State Pension before reaching the qualifying age.\u00a0<\/p><p>The State Pension is not flexible like some workplace or private pensions, where early access may be available (albeit perhaps with certain reductions).<\/p><p>However, you are not obliged to claim your State Pension as soon as you reach the State Pension Age. Hence, you can defer it. This may increase your weekly payments when you do decide to claim it in future.<\/p><h5>How to Check Your State Pension Age and Forecast<\/h5><p>The easiest way to check when you will be eligible for the New State Pension and how much you may receive is to:<\/p><ul><li>Use the government\u2019s <a href=\"https:\/\/www.gov.uk\/check-state-pension\" target=\"_blank\" rel=\"noopener\">State Pension Age calculator online by clicking here<\/a>.<\/li><\/ul><h5>Can You Still Work After Reaching State Pension Age?<\/h5><p>You can continue to work after reaching the State Pension Age.<\/p><p>Your State Pension will not be affected by your earnings.<\/p><p>Furthermore, once you hit this age, you no longer need to pay National Insurance contributions on your income, which can make working more financially beneficial.<\/p><h5><span style=\"color: var( --e-global-color-3429fff ); font-family: Helvetica, sans-serif; font-size: 2.4rem; font-weight: bold; letter-spacing: -0.0415625em; text-align: inherit; background-color: var( --e-global-color-294aba5 );\">What Happens if You Do Not Qualify for the Full Pension?<\/span><\/h5><p>If you do not have the full 35 years of National Insurance contributions, you might still be eligible for a partial pension.\u00a0<\/p><p>If you wish to try and increase your pension entitlement, you can consider making Voluntary National Insurance Contributions.<\/p><p><span style=\"font-size: inherit; text-align: inherit; color: var( --e-global-color-3429fff ); background-color: var( --e-global-color-294aba5 ); letter-spacing: -0.015em;\">These voluntary payments can fill any gaps in qualifying years you may have, therefore increasing your state pension entitlement. However, these are not suitable for everyone and you should take professional advice from Patterson Mills prior to making this decision.<\/span><\/p><h5>The UK State Pension and Your Retirement Planning<\/h5><p>The UK State Pension provides a foundational level of income in retirement, but it is unlikely to be enough to maintain a comfortable lifestyle in retirement.<\/p><p>Hence, it is crucial to think about additional savings, like your workplace pension, private pension(s), and general savings and investments\u00a0to supplement the State Pension.\u00a0<\/p><p><span style=\"font-size: inherit; text-align: inherit; color: var( --e-global-color-3429fff ); background-color: var( --e-global-color-294aba5 ); letter-spacing: -0.015em;\">With State Pension ages around the world rising at varying intervals, it is vital to talk to Patterson Mills.<\/span><span style=\"font-size: inherit; text-align: inherit; color: var( --e-global-color-3429fff ); letter-spacing: -0.015em; background-color: var( --e-global-color-294aba5 );\">\u00a0<\/span><a style=\"font-size: inherit; text-align: inherit; letter-spacing: -0.015em; background-color: var( --e-global-color-294aba5 );\" href=\"https:\/\/links.pattersonmills.ch\/contact\" target=\"_blank\" rel=\"noopener\">Contactez-nous<\/a><span style=\"font-size: inherit; text-align: inherit; color: var( --e-global-color-3429fff ); letter-spacing: -0.015em; background-color: var( --e-global-color-294aba5 );\">\u00a0today and book your initial, no-cost and no-obligation meeting to ensure you are making the right decisions for you.<\/span><\/p><p dir=\"ltr\">Send us an e-mail to\u00a0<a href=\"mailto:contactus@pattersonmills.ch\">contactus@pattersonmills.ch<\/a>\u00a0or call us direct at +41 21 801 36 84 and we shall be pleased to assist you.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-61cff8b4 elementor-share-buttons--view-icon elementor-share-buttons--skin-flat elementor-share-buttons--shape-circle elementor-share-buttons--color-custom elementor-grid-0 elementor-widget elementor-widget-share-buttons\" data-id=\"61cff8b4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"share-buttons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-grid\" role=\"list\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_facebook\" role=\"button\" tabindex=\"0\" aria-label=\"Partager sur facebook\" data-no-translation-aria-label=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fab fa-facebook\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_twitter\" role=\"button\" tabindex=\"0\" aria-label=\"Partager sur twitter\" data-no-translation-aria-label=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fab fa-twitter\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_linkedin\" role=\"button\" tabindex=\"0\" aria-label=\"Partager sur linkedin\" data-no-translation-aria-label=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fab fa-linkedin\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_whatsapp\" role=\"button\" tabindex=\"0\" aria-label=\"Partager sur whatsapp\" data-no-translation-aria-label=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fab fa-whatsapp\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_email\" role=\"button\" tabindex=\"0\" aria-label=\"Partager sur email\" data-no-translation-aria-label=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fas fa-envelope\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-08a255d elementor-widget elementor-widget-text-editor\" data-id=\"08a255d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"hd-block hd-block-paragraph\"><p><strong><em>Please note that all content within this article has been prepared for information purposes only. This article does not constitute financial, legal or tax advice. Always ensure you speak to a regulated Financial Adviser before making any financial decisions.<\/em><\/strong><\/p><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>&#8220;A generous basic state pension is the least a civilised society should offer those who have worked hard and saved through their whole lives&#8221; \u2014 George Osborne<\/p>\n<p>5 min read<\/p>","protected":false},"author":2,"featured_media":14334,"comment_status":"open","ping_status":"open","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"footnotes":""},"categories":[45],"tags":[108,230,117,67,144,296,297,298,299,89,35,328,327,325,326],"class_list":["post-14298","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pensions","tag-finance","tag-finances","tag-financetips","tag-financialadvice","tag-financialadviser","tag-financialadvisor","tag-financialeducation","tag-financialknowledge","tag-financialliteracy","tag-pensions","tag-retirement","tag-retirementage","tag-statepension","tag-ukstatepension","tag-ukstatepensionage"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/pattersonmills.ch\/fr\/wp-json\/wp\/v2\/posts\/14298","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/pattersonmills.ch\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/pattersonmills.ch\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/pattersonmills.ch\/fr\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/pattersonmills.ch\/fr\/wp-json\/wp\/v2\/comments?post=14298"}],"version-history":[{"count":40,"href":"https:\/\/pattersonmills.ch\/fr\/wp-json\/wp\/v2\/posts\/14298\/revisions"}],"predecessor-version":[{"id":15233,"href":"https:\/\/pattersonmills.ch\/fr\/wp-json\/wp\/v2\/posts\/14298\/revisions\/15233"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/pattersonmills.ch\/fr\/wp-json\/wp\/v2\/media\/14334"}],"wp:attachment":[{"href":"https:\/\/pattersonmills.ch\/fr\/wp-json\/wp\/v2\/media?parent=14298"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pattersonmills.ch\/fr\/wp-json\/wp\/v2\/categories?post=14298"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pattersonmills.ch\/fr\/wp-json\/wp\/v2\/tags?post=14298"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}