Everything you need to know about the State Pension

The State Pension remains a cornerstone of retirement planning for millions of people across the UK. Yet research shows that half of UK adults don’t know how much they’ll receive and nearly a third are unaware of when they can claim it. 

Understanding your State Pension entitlement is crucial for building a secure financial future. Whether you’re decades away from retirement or approaching State Pension age, knowing what to expect can help you make informed decisions about your finances. 

The Retirement Voice report, published by Standard Life in 2025, revealed that: 

• 50% of UK adults don’t know how much they’ll receive from their State Pension 

• 32% are unaware of their State Pension Age 

Our guide explores how your State Pension fits into your wider retirement plan, including how to check your forecast, fill gaps in your National Insurance record and stay up to date with changes to rules and eligibility. 

What’s inside this guide? 

Our comprehensive guide covers everything you need to know about the State Pension, including: 

• How the State Pension works & who’s eligible 

• The difference between the basic & new State Pension types 

• Current payment amounts & how the triple lock affects your entitlement 

• When you can claim your State Pension & how to apply 

Take control of your retirement planning 

Your State Pension could form a valuable part of your retirement income, but it’s important to understand how much you’ll receive and when. This guide provides clear, practical information to help you make the most of your entitlement and plan effectively to support the lifestyle you want.  

Download your free guide today to discover how your State Pension fits into your broader retirement strategy. 

Need help planning for retirement? Our expert advisers can help you understand your State Pension entitlement and create a comprehensive retirement plan tailored to your goals. If you would like to discuss your current financial plan and transferring your wealth, or if you wish to schedule an initial consultation, please contact us: advise-me@fosterdenovo.com

Please note: This guide is for general information only and does not constitute advice. The information is aimed at retail clients only. All information is correct at the time of writing and is subject to change in the future.

The Financial Conduct Authority does not regulate estate planning, tax planning, Lasting Powers of Attorney, trust advice or will writing.