Delay (defer) your State Pension

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If you move abroad

If you move to any of the countries in this list, the rules for deferring are the same as in the UK:

If you move to a country that is not in the list, the extra payment you get will stay the same. It will not go up or down over time.

If you reach State Pension age on or after 6 April 2016

If you move to a country that is not in the list, your extra payment will be based on the State Pension you’re owed at whichever is later of:

Contact the International Pension Centre if you need help working out what you could get.

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Part of Plan your retirement income: step by step

  1. Step 1 Check when you can retire

    1. Check what age you can get your State Pension
    2. Find out about working after you reach State Pension age
    3. Find out if you can retire early with your workplace or personal pension

  2. and Check how much pension you could get

    1. Find out how much State Pension you could get (your forecast)

    You may also be paying into a:

    1. Find out if you’ll pay tax on your pension
    2. Find contact details for a lost pension

  3. Step 2 Increase your pension

    You might be able to increase the amount you get if you delay your pension.

    1. Find out about delaying your pension

    You might be able to pay voluntary contributions to fill in gaps in your National Insurance record (such as, from when you were not working or claiming benefits).

    1. Check if you can pay voluntary National Insurance contributions

    For advice about increasing your workplace or private pension, speak to a financial adviser.

    1. Find a financial adviser through Unbiased

  4. Step 3 Check what other financial support you could get

    Check what financial help you could get if you:

    You can also get free bus travel if you:

  5. Step 4 Decide when to retire

    1. Get advice on planning your pension and deciding when to retire