You can claim the new State Pension at State Pension age if you have at least ten years National Insurance contributions and are:<\/strong><\/p>\n A man born on or after 6 April 1951 If you were born before these dates, you will receive the old State Pension instead.<\/p>\n How much State Pension will I get?<\/strong> If you have:<\/strong> How is my pension amount worked out?<\/strong> This will be whichever of the following that\u2019s higher:<\/strong> If your \u2018starting amount\u2019 is more than the full amount of the new State Pension, any amount over that level will be protected and paid on top of the full amount when you start to claim the new State Pension.<\/p>\n If your starting amount is less than the full amount of the new State Pension, you may be able to build up a higher level of new State Pension through contributions and credits you make between 6 April 2016 and when you reach State Pension age.<\/p>\n What happens if I was in a \u2018contracted out\u2019 scheme?<\/strong> The deduction is made because in this case, normally you will have paid NI contributions at a lower rate because you were paying into a contracted out pension instead.<\/p>\n Can I use my partner\u2019s contributions?<\/strong> If you are a woman who paid the reduced rate \u2018married woman\u2019s contributions\u2019, you may be able to use these contributions towards the State Pension.<\/p>\n Can I increase my State Pension?<\/strong> If you don\u2019t claim the State Pension straight away<\/strong> How much extra you get will depend on how long you defer claiming it. During 2018\/19, eligible pensioners will be nearly \u00a3250 better off by the end of the tax year. Their annual income will be increased from \u00a38,296.60 to \u00a38,546.20.<\/p>\n If you\u2019re a carer<\/strong> If you live abroad or used to<\/strong> You may be able to get a pension from the country you live\/lived in. Contact the department responsible for State Pensions in that country. If the country is in the European Economic Area or Switzerland, then the DWP may be able to help you contact them.<\/p>\n If you reach State Pension age after 6 April 2016, you might be able to use the time you worked abroad to make up some of the qualifying years that you need to get the new State Pension. This depends on the country you lived in though.<\/p>\n If you have gaps in your NI record<\/strong> New changeover arrangements designed to be simpler than the old system The State Pension changed on 6 April 2016. If you reached State Pension age on or after that date, you\u2019ll get the new State Pension under the new rules. The new State Pension is designed to be simpler than the old system, but there… Read more »<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[],"_links":{"self":[{"href":"https:\/\/www.a1-financial.com\/financialnews\/index.php?rest_route=\/wp\/v2\/posts\/2292"}],"collection":[{"href":"https:\/\/www.a1-financial.com\/financialnews\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.a1-financial.com\/financialnews\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.a1-financial.com\/financialnews\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.a1-financial.com\/financialnews\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=2292"}],"version-history":[{"count":0,"href":"https:\/\/www.a1-financial.com\/financialnews\/index.php?rest_route=\/wp\/v2\/posts\/2292\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.a1-financial.com\/financialnews\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=2292"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.a1-financial.com\/financialnews\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=2292"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.a1-financial.com\/financialnews\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=2292"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
\nA woman born on or after 6 April 1953<\/p>\n
\nThe full amount you can get under the new State Pension will be \u00a3164.35 per week in 2018\/19, but this depends on your National Insurance (NI) record.<\/p>\n
\n35 years or more of NI contributions, you will get the full amount
\nBetween ten and 34 years of contributions, you will receive a proportion of the pension
\nLess than ten years of NI contributions, you aren\u2019t eligible for the new State Pension<\/p>\n
\nIf you have already built up NI contributions under the pre-2016 system, you\u2019ll be given a \u2018starting amount\u2019.<\/p>\n
\nEither the amount you would have received under the pre-2016 system, including basic and additional pension
\nOr the amount you would get if the new State Pension had been in place at the start of your working life<\/p>\n
\nWhen working out the \u2018starting amount\u2019 for your State Pension, a deduction will be made if you have been in a \u2018contracted out\u2019 personal or workplace pension scheme \u2013 for example, if you have been a member of a public sector pension.<\/p>\n
\nThe State Pension is based on your own contributions, and in general you will not be able to claim on your spouse or registered civil partner\u2019s contributions at retirement or if you are widowed or divorced. However, if you\u2019re widowed, you may be able to inherit part of your partner\u2019s additional State Pension already built up.<\/p>\n
\nIf you\u2019re not on course to get a full State Pension, there may be some things you can do to help boost your pension.<\/p>\n
\nYou don\u2019t have to claim your State Pension when you reach State Pension age. This is known as \u2018deferring\u2019, and could mean that you get extra State Pension when you do claim.<\/p>\n
\nIf you\u2019re a carer and don\u2019t work, this could affect your NI record and impact your State Pension amount. If you care for someone at least 20 hours per week, you could get Carer\u2019s Credit to help maintain your NI record.<\/p>\n
\nIf you live abroad or used to, you may have a gap in your NI record which could affect the amount of State Pension you\u2019ll get.<\/p>\n
\nIf you have gaps in your record and want to boost your State Pension, you could make voluntary NI contributions. How much these are and if you are eligible will depend on your individual circumstances.<\/p>\n","protected":false},"excerpt":{"rendered":"