The amount of Basic State Pension that you receive depends on your national insurance contributions.
A State Pension statement can tell you how much Basic State Pension you will receive. You can request a statement online on the government website on their Check your State Pension page or you can contact the Pension Service by telephone or post.
The maximum Basic State Pension is £119.30 per week if you are under 80 years old, and £119.55 per week after you turn 80.
You are entitled to the maximum amount of Basic State Pension if you paid enough national insurance contributions or received national insurance credits for a total of 30 years.
For each year that is missing from your national insurance record your entitlement is reduced by one thirtieth.
You may be able to pay voluntary national insurance contributions to fill the gaps in your national insurance record and increase your entitlement. You can read more about making voluntary contributions on the government website on their Voluntary National Insurance page.
If you receive Basic State Pension, you also qualify for a Christmas Bonus which is £10 each year. The Christmas Bonus does not affect any other benefits which you may be receiving.
If you did not claim your Basic State Pension as soon as you reached state pension age, and you chose to defer, your entitlement could have increased. Read the Delay (defer) your State Pension page on the government website to find out how much your entitlement would have gone up.
You can increase your Basic State Pension by making a lump sum payment before 6 April 2017. You can find out more about how a lump sum payment would increase your entitlement on the Voluntary National Insurance: Top up your State Pension page of the government website.
Some people may still be entitled to additional amounts from old schemes:
The Basic State Pension increases every year by whichever is the highest:
- Earnings – the average percentage growth in wages in Great Britain
- Prices – the percentage growth in prices in the UK, as measured by the Consumer Prices Index (CPI)
A State Pension statement can tell you how much Basic State Pension you will receive. You can request a statement online on the Check your State Pension page of the government website or you can contact the Pension Service by telephone or post.
Basic State Pension and Other Benefits
Basic State Pension counts as income when working out your entitlement to other benefits.