Deferring State Pension if you get benefits or tax credits
Find out how State Pension deferral would affect your other benefits and tax credits.
Benefits claimed by you or your partner
You cannot build up extra State Pension during any period you get:
- Income Support
- Pension Credit
- Employment and Support Allowance (income-related)
- Jobseeker’s Allowance (income-based)
- Universal Credit
- Carer’s Allowance
- Incapacity Benefit
- Severe Disablement Allowance
- Widow’s Pension
- Widowed Parent’s Allowance
- Unemployability Supplement
You cannot build up extra State Pension during any period your partner gets:
- Income Support
- Pension Credit
- Universal Credit
- Employment and Support Allowance (income-related)
- Jobseeker’s Allowance (income-related)
Higher weekly payments
Taking your extra State Pension as higher weekly payments could reduce the amount you get from:
- Income Support
- Pension Credit
- Universal Credit
- Employment and Support Allowance (income-related)
- Jobseeker’s Allowance (income-related)
- Housing Benefit
- Rate Relief
- Tax credits
If you reached State Pension age before 6 April 2016
Your tax credits payments may be reduced if you choose to take your extra State Pension as a lump sum.
Winter Fuel Payment
You need to claim Winter Fuel Payment if you’ve deferred your State Pension. You only need to do this once.
Find out more about Winter Fuel payment, including how much you could get at the link below:
Get help
Contact the office that pays your benefits if you need help to understand how your benefits could be affected, at the link below: