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
  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.

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

This file may not be suitable for users of assistive technology.

Request an accessible format

If you use assistive technology (such as a screen reader) and need a version of this document in a more accessible format, please email accessible.formats@dwp.gov.uk. Please tell us what format you need. It will help us if you say what assistive technology you use.

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

PDF, 131 KB, 4 pages

This file may not be suitable for users of assistive technology.

Request an accessible format

If you use assistive technology (such as a screen reader) and need a version of this document in a more accessible format, please email accessible.formats@dwp.gov.uk. Please tell us what format you need. It will help us if you say what assistive technology you use.

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.