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Your State Pension is changing – how will it affect you?
Dear «Title» «Surname»
The State Pension is changing from 6 April 2016. As you will be affected, we
wanted to tell you more about it.
With the new State Pension, it will be easier for people to know from a much
younger age how much they’re likely to get. A clearer State Pension scheme will
help people when making decisions about planning for their retirement.
You should get a State Pension statement that will give you an estimate of your
State Pension based on your National Insurance record to date.
To find out more and how to get a statement go to:
or cal 0345 6004274*
Further information is on the back of this letter.
Your State Pension
Why is the State Pension changing?
The State Pension will change on 6 April 2016 for people who reach State
Pension age on or after that date. This means men born on or after 6 April 1951
and women born on or after 6 April 1953.
The current State Pension is complicated, making it difficult to know how much
you’ll get until you’re close to State Pension age. With the new State Pension,
people will know from a much younger age how much they’re likely to get,
providing a solid base for their saving and retirement planning.
Can I increase my retirement income?
The State Pension is intended to be a part of your retirement income. How much
you get depends on your National Insurance (NI) record. You may be able to build
your National Insurance record to get more State Pension through working, by
getting NI credits or paying voluntary Class 3 NI contributions.
To find out more go to: www.gov.uk/new-state-pension/your-national-
You can also decide to put other plans in place to increase the money you have in
• Some people decide to continue working after State Pension age. For most
people there is no longer a fixed retirement age (the age at which you stop
• You could be in a workplace pension, and/or have other savings or
investments. By retiring at 65 instead of 55, an average earner could
increase their pension pot by 60%.
*You can use the 0845 code to call any of our 0345 numbers. Check with your phone
company which code is cheaper for you.
Your State Pension