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State pensions


State pensions

Your state pension is, or will be, an important part of your income in older age.

signposts to retire and work

The New State Pension - 11 things you Need to Know

A new state pension was introduced for people who reach state pension age from 6 April 2016 (that is, men born on or after 6 April 1951 and women born on or after 6 April 1953).

The new system is known as the Single Tier Pension – replacing the current system which incorporates Basic State Pension, SERPS and S2P.

The pages in this area of the site explain how the state pension systems work:

This information is also shown in our downloadable briefing on State Pensions

We also have a list of frequently asked questions and a mythbuster.

State Pension reform will also result in significant detrimental changes to arrangements for Guaranteed Minimum Pensions paid from private pensions. 


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Latest pensions documents

Pension tax relief teleconference - December 2017   info
Recording of teleconference on pension tax relief held in December 2017.

Letter to Pensions Minister re State Pension Age review   info
Letter to Guy Opperman MP about proposed change to principle underpinning future reviews of State Pension Age that would result in higher State Pension Age for millions of people.

Prospect Response Civil Service DC Pensions Provider Consultation   info
Response to Cabinet Office's consultation on the appoint Legal & General as the sole provider for Civil Service's defined contribution pension schemes.

Prospect submission to Pension Freedoms inquiry   info
Submission to Work and Pensions Select Committee Inquiry into pension freedoms.

Prospect submission on defined contribution arrangements to NDA Pension Forum   info
Prospect submission on defined contribution arrangements to NDA Pension Forum