State Pension: Is State Pension paid in arrears?

A ‘flat-rate’ State Pension was ushered in on April 6, 2016. While the overhaul was designed to make the system easier to understand, it’s still far from simple. The State Pension is based on your National Insurance record, and you will need 35 years of full contributions to receive the full amount, currently £168.60 a week.

When you receive your pension depends on your date of birth, with the age rising to 66 for men and women by October 2020.

You only receive the State Pension when you reach the Government’s official retirement age.

You can still contribute to your pension during time spent raising a family, if you care for someone who is sick or has a disability, or have been enrolled in full-time training.

The State Pension age is increasing again to 67 between 2026 and 2028, affecting those born after April 5, 1960.

A further increase to 68 is planned between 2044 and 2046, affecting those born from April 6, 1977, however, experts predict this will be brought forward.


  • State pension: Payments will increase in less than a week

How is a State Pension paid?

Your State Pension is normally paid every four weeks straight into your bank account and is paid in arrears.

Arrears of pay are earnings paid after the date when the employee should have received the salary or wages.

You have four options when claiming your pension:

  • Claim it online
  • Claim it over the phone
  • Download the State Pension claim form and send it to your local pension centre

When you decide to claim your State Pension, the Pension Service will give you information about the different types of bank, building society, credit union and Post Office accounts you can use.

Your payment date is linked to your National Insurance number.

The Pension Service will notify you of your monthly payment date when you claim.

Has my State Pension been affected by coronavirus?

Since the coronavirus outbreak, stock markets have fallen considerably and are likely to remain volatile for a while, however, State Pension is unaffected by stock markets.

If you have a defined contribution pension, this will be affected by fluctuations in the stock market, and you should check with your employer.

Markets will most likely recover, and now might be a good time to consider increasing your pension contributions if you can.

The State Pension is one of the only Government benefits that has not been affected by coronavirus.

Universal Credit and Working Tax Credit have both been raised, with the minimum income floor removed to make it accessible to everyone.

The Job Retention Scheme, announced by Rishi Sunak last month, guarantees furloughed workers up to 80 percent of their salary.

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