Your finances in retirement

As well as your benefits from the Plan, you may also:

  • have other pensions from other employment
  • be eligible for a State pension
  • qualify for assistance through a range of government benefits.

You can find out more about State benefits at


Claiming your State pension

If you’re entitled to a State pension, it will be paid to you by the government when you reach State pension age. Your entitlement depends on how many qualifying years of National Insurance (NI) contributions you’ve got. To receive any State pension at all, you must have a minimum of 10 qualifying years. To get the full State pension, you’ll need to have 35 qualifying years. If you have between 10 and 35 years of NI contributions, you’ll get a proportionate amount of State pension.

You can now claim your State pension online, rather than having to fill in a paper form. Go to to find out more about the State pension and retirement planning in general.

Finding a lost pension

If you have a pension from a previous employer or a personal arrangement that you’ve lost the details for, you can track it down using the online Pension Tracing Service at:

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