State Pension

[emmie]

does anyone know if you have to apply for your state pension, as i will be coming up for mine in dec this year

[Peter Pedant]

// Why don't the competent individuals get promoted and ensure things run properly ?//

no of course we dont - that is why we get people like Boris and Doris
Dominic
betcha didnt see that one coming ter-dah ter dah

[fiction-factory]

o_G- the system knows when your pension is due- you can log on and get a forecast and details of the entitlement date. Some people choose to defer it so maybe they find this is the best way. I would be surprised if anyone were to forget to claim.
Perhaps it could be paid automatically unless you opt out- you should perhaps get a letter. But maybe they don't have everyone's address and bank account details- quite a number of people operate under the radar- not on electoral roll etc. They will however have details of those already on benefits so know which bank account to use

[Jackdaw33]

If you choose to defer your pension, when you eventually claim it it will be backdated to when you first became entitled to it, so you get a lump sum plus interest.

[barry1010]

You will probably continue to get PIP but the ESA will stop

[grumpy01]

Further to Jackdaw @08.51,I believe the sum accrued from deferring state pension can also be added as a monthly sum to the State Pension you eventually receive.

[KARL]

O_G, I agree with you but surely neither of us is surprised ? fiction-factory's explanation at 08.46 points to some of the muddle - you would have thought by now there would be a simple overall system (others manage to create one) but the confusion/mismanagement on this shares roots with so much else, immigration legal and illegal being but one branch of the mess.

[Boto]

Threre was no confusion with mine. I had a letter telling me the date mine was due, how to claim it and how to defer it if I wanted. Simple.

[THECORBYLOON]

KARL, how would you feel if the DWP sent you a letter to a previous address, stating you would be getting £150 pw and asking only for the account details to pay it in to?

[Puzzled001]

I had to apply for mine, the chap at the pension department said it would be treated as differed if I didn't actually apply for it. Better safe than sorry.

[ubasses]

I have Just claimed my deferred pension. When it was originally due, I did nothing which automatically deferred it. When I phoned to claim, I was advised of a long wait on the phone due to the number of calls.
I printed off the on line form, and posted it in, it all went very smoothly. You can send your claim in as soon as it is within 4 months, they will then have plenty of time to process it by the the due date.

[Baldric]

Deffo did not apply for mine, it turns up every month no problem, they
notified me about 5/6 weeks before first payment.

[ubasses]

Strange, I knew I wanted to defer it, did nothing and got nothing until this month, when I claimed 5 years after it was due.

[Buenchico]

You can apply online:
https://www.gov.uk/new-state-pension/how-to-claim

[jno]

they'll let you know, you don't have to apply. Make sure they have the right address, though. I started wondering six months later why I hadn't been notified, and that turned out to be the reason. I got all the arrears at once.

[Buenchico]

>>> they'll let you know, you don't have to apply

That's not strictly true. Although you should be contacted to let you know that you're about to become eligible for your State Pension, you still have to apply for it.

Quote (from my link above):
"You will not get your new State Pension automatically - you have to claim it. You should get a letter no later than 2 months before you reach State Pension age, telling you what to do.

If you have not received an invitation letter, but you are within 4 months of reaching your State Pension age you can still make a claim.

The quickest way to get your State Pension is to apply online."

[THECORBYLOON]

BALDRIC, if DWP or one of its various predecessors did not receive a claim from you, how did they know how and where to pay you?

[jennyjoan]

////Strange, I knew I wanted to defer it, did nothing and got nothing until this month, when I claimed 5 years after it was due. ////

If and when you get it take it immediately - why would anyone defer their pension and perhaps die.

I don't think I claimed either - it was like an automatic thing. Got word when I would get it and I provided bank details and it went in.

[BAKERS DOZEN]

I deferred mine for three years as I was still working but I did check that if I died Mr BD would get the full amount owed.

[ubasses]

Jenny, I did not need it immediately, and it was earning 10.4%pa, where would I have got that anywhere? As Bakers dozen said, on the old system it will be inherited by Mr U when I go, and vice versa.

[jno]

thanks, buenchico. It's possible things may have changed in the aeons since I retired; at any rate, it's much the best thing to have up to date information.