State Pension top up
Helping you plan for your retirement
State Pension top up - what you need to know.
From 12 October 2015 you can increase your State Pension and get a guaranteed extra income for life with the new State Pension top up.
Increasing your State Pension
You can increase your State Pension by £1 to £25 per week if you're either:
- a man born before 06 April 1951 or
- a woman born before 06 April 1953
Are you eligible?
You must be eligible to claim the basic State Pension or Additional State Pension before 06 April 2016 to be elible to top up your State Pension.
How it works
You will need to make a lump sum payment between 12 October 2015 and 05 April 2017
You can choose to top up your State Pension by between £1 and £25 per week. The amount you'll need to contribute depends on:
- how much extra pension you want to get each week
- how old you are when you make the contribution
You should however check whether you can make Class 2 and Class 3 voluntary National Insurance contributions before you do a State Pension top up, as is could be more cost effective. Check if you can make voluntary National Insurance contributions here
Find out more
You can use the State Pension calculator to find out how much you'll need to pay to top up your pension
You'll be able to apply online or by phone when the top up scheme opens on 12 October 2015
You can email [email protected] now to register you interest and get updates as the scheme progresses.
Our pension specialists can quickly advise you best options available to plan for your retirement and will perform a Pension Performance Analysis for you completely free of charge. Simply call the team FREE on 0800 36 88 133. Alternatively complete the Contact Form to speak with a Local Pension Advisor.
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