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.
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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.
Last updated 14 August 2019 + show all updates
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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%.
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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.
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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.
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Removed leaflet DWP024 and replaced it with up to date information about deferral for people who reached State Pension age before 6 April 2016.
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Added revised versions of both leaflets.
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Added revised versions of DWP024 English and Welsh, to reflect new benefit rates and tax amounts from April 2014.
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First published.