Information in this page explains the Additional State Pension rules. You may know it as the State Second Pension (S2P) or even the old State Earnings Related Pension Scheme (SERPS).
S2P GUIDE: Are you claiming the basic State Pension? If so, you may also qualify for the Additional State Pension on top.
It is an extra amount of money that you could get if:
People born on or after these dates should qualify for the new State Pension instead.
Thus, they will not be eligible to get the Additional State Pension payment. But, in some cases you may qualify to inherit the Additional State Pension from a spouse or a partner.
The supplementary payment is an automatic process. It gets paid into your bank account along with the basic State Pension. The exception would be if you contracted out of the Additional State Pension.
Note: Information on the Additional State Pension rules is also available in Welsh language (Cymraeg).
This extra bonus payment has no fixed amount. How much you can get will depend on:
Note: The online State Pension forecast checker helps you work out how much you might get.
If you reached State Pension age on or after the 6th of April 2016 you will not get the Additional State Pension. Those who qualify will get the new State Pension instead.
Reaching State Pension age before the 6th of April 2016 means you should be claiming the basic State Pension. If so, there is no need to make a separate claim. Any Additional State Pension that you are eligible for will get paid to you on top.
Note: In most cases you will not get any Additional State Pension for any periods you contracted out of it.
Three different schemes make up the Additional State Pension. That means you could have contributed to more than one of them. It depends on whether you chose to top up your State Pension and how long you have been working.
You may have contributed through your National Insurance contributions. This would be the case if at any time between the 6th of April 2002 and the 5th of April 2016 you were:
You could not contract out of the Additional State Pension unless your employer ran a contracted-out pension scheme. Thus, you may need to check with your employer.
Members of a contracted-out workplace pension did not contribute to the Additional State Pension. But, they might still get the Second State Pension. A typical example would apply to those who had low earnings.
You would have got extra pension from a contracted-out pension scheme. But, it is usually the same as (or more than) the Additional State Pension you would have got by not contracting out.
You can check if you contracted out using an old payslip or by contacting your pension provider. The UK Pension Tracing Service may be able to help you find your pension provider if you lost contact with them.
Some people would have paid lower National Insurance contributions while contracted out. This might apply if:
When you retire you will get a pension from your employer's occupational pension scheme.
There is no need to do anything to claim Additional State Pension payments. Those who qualify get them 'automatically' when they claim the basic State Pension.
Note: The Pension Service write to you informing how much you are getting once you make the initial claim.
What happens with Additional State Pension if your spouse or you civil partner dies? In this case, you may be able to inherit part of their payments. You should contact the Pension Service to check how much you can claim and how to do it.
There is a maximum amount of S2P that you can inherit. The inheritance can be up to 50% of a State Second Pension belonging to a spouse or a civil partner.
The maximum amount you can inherit will depend on when your spouse or civil partner died. You can inherit up to 100% of their SERPS pension if they died before the 6th of October 2002.
The maximum SERPS pension and State Pension top up you can inherit could depend on their date of birth. This is the case if they died on or after the 6th of October 2002.
What if your spouse or civil partner died within 90 days of topping up their State Pension? In this case, the top up should have been refunded to their estate (less any payments they received before they died). This means you would not inherit the top up as part of their Additional State Pension.
Any inherited Additional State Pension gets paid on top of your State Pension once you reach State Pension age.
The upper limit is £172.28 per week for Additional State Pension. But, this limit does not include State Pension top up.
It is possible to inherit Additional State Pension before reaching State Pension age. In this case, you would stop receiving it if the Widowed Parent's Allowance finishes.
You may start receiving it again. It could happens when you reach State Pension age. That is providing you were over 45 when you had entitlement for the allowance.
What if Widowed Parent's Allowance or Bereavement Allowance ends before you turn 55? In this case you would receive less Additional State Pension.
There are some situations when you cannot inherit the Additional State Pension. They include remarrying or forming another civil partnership before reaching State Pension age.
The date you reach State Pension age also has an effect. It will determine whether you can or cannot inherit payments from the Additional State Pension.
As a rule, you cannot inherit it from your spouse or you civil partner if they died before they reached their State Pension age and it happened after you reached yours.
These particular Additional State Pension rules do not apply for women married to:
You cannot inherit it from your spouse or civil partner if either:
Several things happen if you get divorced or the civil partnership gets dissolved. The court may decide that your Additional State Pension should get shared. They might see this as part of the financial settlement.
If so, fill in 'Form BR20 State Pension: valuation on divorce or dissolution'. You can use this form to provide details of your Additional State Pension to the court.
Additional State Pension Rules in the United Kingdom