UK State Pension Back Payment – How to claim it online?

Most persons are eligible to receive a monthly payment from the government in their older years, known as the State Pension. If you have made at least ten years of National Insurance payments, you are eligible to collect the UK State Pension Back Payment when you reach the State Pension age.

UK State Pension Back Payment

Before the end of this month, thousands of older women may be entitled to backdated State Pension underpayments totaling an average of £5,931. 

The Department for Work and Pensions (DWP) pays the State Pension to almost 12.6 million individuals, most of whom are women. However, not everyone receives their full entitlement, and some have been underpaid.

The first thing you should do if you haven’t yet reached state pension age is to check your state pension forecast online at to learn more about your situation. After several underpayments of state pensions, thousands of retirees will get back money of almost £5,000 per.

How is my pension amount worked out?

You will be assigned a “starting amount” if, under the pre-2016 system, you have previously accrued NI contributions. Whichever of the following is higher will be this: 

UK State Pension Back Payment

  • how much you would have gotten under the pre-2016 system, taking into account both the basic and supplemental pension
  • the amount you would have received at the beginning of your working life if the new State Pension had been in effect.
  • Any income beyond that threshold will be safeguarded and paid on top of the entire amount when you begin to claim the new State Pension if your “starting amount” exceeds the whole amount of the State Pension.

You may be able to accrue a greater level of State Pension via contributions and credits made between 6 April 2016 and the time you reach State Pension age if your beginning amount is less than the entire amount of the State Pension.

Your State Pension will thus be calculated by adding the higher beginning amount to the value of any qualifying years you may have had commencing on April 6, 2016, up to the maximum amount of the State Pension.

How to claim My State Pension Back Payment?

You won’t get your state pension instantly. Four months before your reaching state pension age, you should get an invitation letter from the Pension Service outlining the process for claiming your state pension.

Call the Pension Service at 0800 731 7898 if, after two months, you have not received an invitation letter.

Online, over the phone, or by mail, you may make pension claims. Whenever you file a claim, you will be required to provide your National Insurance number as well as proof of your birthdate.

When can I claim my UK State Pension Back Payment?

Up to four months before reaching state pension age, you may claim your state pension. But payment doesn’t begin until you become old enough to get a state pension.

You may ask for your state pension to be backdated if you claim it after you’ve reached state pension age. Although a claim for UK State Pension Back Payment may be made to a date before reaching the State Pension age, the maximum backdating period is 12 months. 

Who might be due back payments for State Pension?

People in six categories are being urged to get in touch with the pension administration to see whether they qualify for an increased amount of State Pension. They consist of:

  • Married women who have never requested an increase to the 60% rate and whose spouse reached 65 before March 17, 2008.
  • widows whose husbands passed away without receiving an increase in pension.
  • widows who believe they may have been underpaid while their late spouse was still living, especially if he turned 65 after March 17, 2008, but whose pension is now proper.
  • seniors who are getting less than £80.45 on a basic state pension.
  • If a woman dies while still owing money for her state pension, her heirs or widows will be eligible.
  • Women going through a divorce should make sure they are still reaping the benefits of their ex-husband’s contributions, particularly if they separated after retirement.

What would happen if I was in a ‘contracted out’ scheme?

Suppose you were part of a “contracted out” personal or workplace pension system, such as a public sector pension. In that case, a reduction will be taken from both calculations when determining the “starting amount” for your State Pension.

The reduction is made because, in this instance, you were paying into a contracted-out pension or because part of your NI payments were applied to your private pension rather than the State Pension, which would have ordinarily required you to make NI contributions at a lower rate. 

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