This website is not meant to be an exhaustive repository
for Pension and allowance
information and you can find
much more detailed overviews elsewhere. The
Directgov pension site may be a good starting point
- a link can be found in the
Right hand panel --------->
Under normal circumstance the State Pension is likely to
be the single largest benefit that you will receive
from the State.
you will probably know, the State Pension is a regular
payment you can receive when you reach State Pension
age. It is based on your National Insurance
contributions and how much you get will vary depending
on a number of factors.
The State Pension is made
up of two parts, the basic State Pension and the
additional State Pension. Different people get different
amounts of each.
In 2014-15, a single person can get up to
basic State Pension, though some people get less than
this. Many people get more than this amount, because
they also get an additional State Pension.
You can claim your State
Pension once you reach your State Pension age. However,
you do not have to claim it straight away. If you delay
claiming your State Pension you may in most cases be
able to increase the amount you get.
Four months before you
reach State Pension age, The Pension Service will write
to you. The letter will tell you if you need to be
proactive and claim your State Pension yourself.
If you are getting
certain social security benefits you may not need to
In addition to the State Pension and its
associated supplements there is a long list of other
allowances and credits which may, or may not, be
available to you.
The most relevant for people either
approaching retirement or already in retirement are
likely to include:
Disability Living Allowance
Council Tax Benefit
Personal Expenses Allowance
Other discretionary benefits and assistance from the
local authority and/or other institutions and
organisations may also be available.
is clearly nor possible to ascertain whether or not you
may be eligible for any of these supplements before a
thorough review of your financial circumstances has been
brief notes of caution related to the issue of
additional benefits deserve to be sounded as NFA has
found that they often have been, or are, relevant to
first issue is that these benefits often are not very
well publicised and they most certainly do not come
to you automatically.
will need to identify the relevant benefits yourself, or
consult a professional who can investigate matters on
your behalf, and then make the actual applications.
is known that large numbers of entitlements remain
unclaimed every year either because people do not know
they exist or because they simply assume that they
currently receive everything they are entitled to.
final issue is: 'Beware of the Swings and Roundabouts'.
simple terms: very few benefits are 'stand-alone'
benefits. They are more often than not intricately
interdependent with other benefits.
care should be taken to fully understand the
implications of applying for a specific benefit as it
could mean that the entitlement to another (and perhaps
more generous) benefit may be lost in the process.
always, obtaining relevant independent and professional
advice is highly recommended before entering the benefit
and allowance maze,
Don't be caught unprepared