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Thursday, 4 October 2012

Getting a State Pension forecast

Work out how much State Pension you may get, and when. The law has recently changed and there has been a change to the way some people can find out this information. Find out how to get an estimate of your State Pension.

Get a State Pension estimate

Some changes to the State Pension forecasting services have been introduced whilst essential updates are being made to The Pension Service computer systems. These updates are necessary to reflect important changes in the State Pension rules that are now law.

How you get an estimate of your State Pension will depend on whether you are a:

  • woman born before 6 April 1953 or a man born before 6 April 1951
  • woman born on or after 6 April 1953 or a man born on or after 6 April 1951
     

Women born before 6 April 1953: men born before 6 April 1951

You are not affected by the latest changes to the State Pension rules. There are two ways you will be able to get an estimate of your State Pension. You can use the State Pension profiler or get a State Pension forecast.

State Pension profiler

The State Pension profiler can help you plan your retirement. It uses information you provide to quickly give you an estimate of how much basic State Pension you may get based on your National Insurance contributions to date. It will also tell you the earliest date you may get it.

State Pension forecast

A State Pension forecast gives you more detailed information on the State Pension you may get when you reach State Pension age. It is based on your NI contributions record, and will give you estimates of your basic and,additional State Pension and, if appropriate, your Graduated Retirement Benefit (Grad).

If you have recently received an Activation Code from the Government Gateway, to allow you to use the on-line forecasting service, please select the following link.

Women born on or after 6 April 1953: men born on or after 6 April 1951

The Pension Service is making essential updates to its computer systems, to reflect recent changes to the State Pension. Until these updates have been made there are two ways you can get personalised information about your State Pension. The quickest and easiest way is to use the State Pension profiler to get an estimate of how much basic State Pension you may get based on your National Insurance contributions.

Alternatively, you can get an estimate of your State Pension by asking for a State Pension statement. The statement will be based on your National Insurance contributions record.

State Pension profiler

The State Pension profiler uses information you provide to quickly give you an estimate of how much basic State Pension you may get based on your National Insurance contributions to date. It will also tell you the earliest you may get it. You will also be able to get information on the State Pension, and what the changes may mean to you.

State Pension statement

A State Pension statement will give you estimates of how much basic and additional State Pension and, if appropriate, any Graduated Retirement Benefit you may get. It is based on your National Insurance record as it stands on the date the statement is prepared. It is not a forecast of how much State Pension you will get when you reach State Pension age

You can ask for this statement by telephone or post.

What if you are already over State Pension age?

If you are already over State Pension age and have put off claiming you can still get an estimate of your State Pension. This will be based on the date you intend to claim in the future. You can either:

The State Pension profiler is aimed at people who have not yet reached their State Pension age. However, even if you have already reached your State Pension age, it may give you some useful information about the State Pension.

Tell The Pension Service about a change in your circumstances

Find out what you need to report, such as a change of address or bank details.

Additional links

Being enrolled into a workplace pension

Starting from October 2012, millions of workers will be enrolled into a workplace pension

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