When can I claim my state pension?

While it is not possible to claim your state pension before state pension age, it is possible to defer taking your state pension until a later date.

In such instances the state pension you would normally have received is enhanced to reflect later payment. The enhancements applied are:

  • If you reach state pension age before 6 April 2016, pension is enhanced by 1% for every five weeks of deferral (or you can claim the foregone pension as a one-off lump sum paid with interest of 2% above Bank of England base rate).
  • If you reach state pension age after 5 April 2016, pension is enhanced by 1% for every nine weeks of deferral.

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