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How much will I get?

Existing pensioners

If you have already reached your State Pension age and you are in receipt of your State Pension you will continue to receive this in line with the present rules. You will continue to get both your basic State Pension and any additional State Pension (this could be State Graduated Pension, SERPS or State 2nd Pension) which you are entitled to. This will also apply to anyone who reaches their State Pension age on or before 6 April 2016.
Furthermore, if your current pension entitlement is more than the new full single tier pension, your pension will NOT be reduced.

New pensioners

For any man born on or after 6 April 1951 and any woman born on or after 6 April 1953 you will be affected by the reforms and your pension will be calculated in accordance with the new rules.
The full level of the new State Pension will be £179.60 per week (2021/22) - however, not everyone will automatically qualify for this amount.
The amount you receive will be based on your National Insurance record.
Your new State Pension will be based on how many “qualifying years” you have on your National Insurance record and whether you have previously been “contracted–out” of the additional State Pension at any time prior to 6 April 2016.
If you do not have the maximum amount of Qualifying Years and you were contracted out of the additional State Pension prior to 6 April 2016 (or both), your “starting amount” will be less than the full new State Pension.

Starting amount from April 2016

From April 2016 government will look at how many existing Qualifying Years you have and if you have a contracting out record, which will determine your “starting amount”.

If your starting amount is less than the new full State Pension of £179.60 per week (2021/22), each qualifying year you add to your National Insurance record, after April 2016, will start to build up an additional amount up until you reach the full level of the new State Pension or when you reach your State Pension age - whichever happens first.

If your starting amount is more than the full State Pension you will receive this higher amount when you reach State Pension age. This will occur if you have built up a certain amount previously in the additional State Pension.

For more information visit: www.gov.uk/new-state-pension/what-youll-get

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