Guidance

Deferring your State Pension if you reached State Pension age before 6 April 2016

How you could get more money if you delay claiming or stop your State Pension until a time that suits you.

• From: Department for Work and Pensions
• Published: 18 June 2013
• Last updated: 14 August 2019 — See all updates

Documents

State Pension deferral: if you reached State Pension age before 6 April 2016: extra information

HTML

State Pension deferral: if you reached State Pension age before 6 April 2016 – and you die: extra information

HTML

State Pension deferral: if you reached State Pension age before 6 April 2016: extra information

PDF, 157 KB, 8 pages

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State Pension deferral: if you reached State Pension age before 6 April 2016 – and you die: extra information

PDF, 131 KB, 4 pages

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Details

This guidance is for people who reached State Pension age before 6 April 2016. It is aimed at people who have read our quick guide to deferring State Pension but need more information.

It explains:

• what State Pension deferral is
• what your choices are
• how much more money you could get
• what happens if you die while deferring your State Pension

You can also read our quick guide to deferring your State Pension, whatever your State Pension age.

Published 18 June 2013
Last updated 14 August 2019 + show all updates

1. 14 August 2019

   Corrected the figures used in the example of how DWP calculates lump sum payments on page 7 of the guide about State Pension deferral if you reached State Pension age before 6 April 2016. The example interest rate used should have been 0.05% instead of 0.0005%.

2. 10 July 2017

   Published revised version of 'State Pension deferral: if you reached State Pension age before 6 April 2016: extra information'. It now includes information about Universal Credit in the lump-sum section on page 4.

3. 15 February 2017

   Clarified how extra payments and lump sums are calculated and added information for people who reached State Pension age before 6 April 2005. Also clarified information about the inheritance of deferral payments.

4. 24 May 2016

   Removed leaflet DWP024 and replaced it with up to date information about deferral for people who reached State Pension age before 6 April 2016.

5. 10 November 2014

   Added revised versions of both leaflets.

6. 31 March 2014

   Added revised versions of DWP024 English and Welsh, to reflect new benefit rates and tax amounts from April 2014.

7. 18 June 2013

   First published.