State pension UK: National Insurance credits rules explained – how to check your record


So long as a person has qualified, they’ll need to claim a state pension when they need the income as they will not be paid out automatically.

State pensions can only be claimed from the age of 66, with the state pension age set to increase to 68 in the coming years.

It is possible to claim a state pension up to four months in advance of reaching state pension age and this can be done online, over the phone or through the post.

State pensions can be claimed even when a person decides to continue working and when they are claimed, retirees will no longer need to pay National Insurance at all.



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