Delayed State Pension

[Thisoldbird]

I'm sure when I retired 20 years ago I was notified by DWP that I should fill in a form to claim my state pension..

I've heard today of a lady I know well, who is still working 3 years past her retirement age..but not claimed her pension..DWP are saying they will only pay 1 year back dated and not the 3 she has been entitled too..? That doesn't sound right to me.. does anyone know if this us correct. Please.

[ubasses]

No, if you do not claim your state pension it is automatically classed as a deferred pension.
https://www.gov.uk/deferring-state-pension

[Peter Pedant]

remember that when your frenz say this and that

the truth may be absolutely something diffferent

they wrote to me and told me to apply - I can't believe they didnt to her in which case not claiming was san intentional act

[Prudie]

Doing nothing and deferring does not mean you aren't entitled to all years though? Is she definitely correct about when her state pension age is though, it became later for loads of women.

[ubasses]

I was just about to post similar to Prudie. With the state pension age increasing has she made a mistake on her retirement date.
If she puts her DOB in the link it will confirm her retirement age
https://www.gov.uk/state-pension-age/y/age

[Buenchico]

An application for a State Pension can't be backdated by more than 12 months. So the lady you refer to can't simply demand to be paid three year's worth of pension as a lump sum now.

She has deferred her State Pension so, after 3 years, she's now in a position whereby (assuming that she doesn't want to continue deferring her State Pension any longer) she can either:
(a) apply in the ordinary way now and benefit from the increased payments that she'll get from having deferred her pension by three years ; or
(b) submit a claim which is backdated by 12 months. She'll then get increased payments based upon just two year's deferral but with one year's worth of pension (paid at that same rate) given to her as a lump sum.

[THECORBYLOON]

The time limit for claiming State Pension or Retirement Pension is twelve months, as laid down in Regulations, so the advice given is accurate.

[Peter Pedant]

o god not functioning well sozza

not claiming is not deferring
deferring is where you get a little bit extra each week ( little is the operative word, as weenie as Boris's - - never mind)

not the three years back log as a lump sum.....

[Thisoldbird]

Thank you very much for replies.

Corbyloon and Buenchico your info seems the lady has been given the right information .. she was born 1952..

I cant imagine what she was waiting for..looming redundancy has prompted her now. Thanks for your help..

[THECORBYLOON]

PP, if you don't claim the State Pension, it will be automatically deferred until you do claim and decide from what date you want to claim.

[Prudie]

Well of course Buen and Corby are correct and assume PP also however a straight paste from the DWP website says
"If you want to defer, you don’t have to do anything. Your pension will automatically be deferred until you claim it." so how is "not claiming is not deferring" correct?

[Peter Pedant]

it isnt
sozza
"not functioning well" is correct

[ubasses]

I must admit that I read it that she was being denied any more than a year of her pension. They should have explained that back pay would be made as an increase to her pension for the rest of her life after receiving the 1 year she is entitled to in a lump sum.

[THECORBYLOON]

Depending on her date of birth in 1952, her earliest date of retirement fell between 6.9.13 to 6.9.15.

[Thisoldbird]

Apparently the lady could have been claiming since 2015..its being sorted for her now. Thank you for all your help.