Wellbeing matters
You might be busy now you’re retired, with new activities and routines to enjoy. It’s still important to look after yourself so here are a few tips for looking after your financial, physical and mental wellbeing.
Financial wellbeing
Although you have your Plan pension, it’s worth checking whether you qualify for assistance through a range of government benefits. To find out more and check your eligibility, please visit the government website at www.gov.uk.
Claiming your State pension
If you’re entitled to a State pension, it’s paid to you by the government from your State pension age. However, it’s not automatically paid to you when you reach State pension age – you’ll need to claim it.
Your entitlement depends on how many qualifying years of National Insurance (NI) contributions you have. To receive any State pension at all, you must have a minimum of 10 qualifying years. To get the full State pension, you will 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.
Go to www.gov.uk/check-state-pension to find out your State pension age, your entitlement and how to claim.
Deferring your State pension
Another little-known fact about the State pension is that you can choose to defer it so that you increase your payments when you do start to claim it. Putting off the age you claim your State pension means the amount you get when you do claim can go up significantly.
Even if you’ve already started receiving it, you can defer your State pension payments, although you can only do this once during your retirement. Contact the Pension Service on 0800 731 0469 for more details.
Finding a lost pension
People have on average 11 different jobs throughout their working life, so it’s quite likely that you’ll have a pension with more than one employer.
If you’ve lost track of an old pension scheme, you can use the free Pension Tracing Service to help you find it, even if you don’t have the contact details of the provider. All you need to know is the name of your previous employer or pension scheme, but if you can, it’s helpful to collect as much information as possible about the employer, such as:
- any previous names it had
- the type of business it ran
- whether it changed address
- when you were a member of the scheme or when you worked for the company.
Call the Pension Tracing Service on 0800 731 0193, or visit www.gov.uk/find-pension-contact-details.
Money worries
Rises in the cost of living mean that your money might not stretch as far as it used to. MoneyHelper’s cost of living resources provide free, impartial guidance to help cope with money worries, living on a squeezed or reduced income, finding help if struggling with bills, and how to talk money with friends, family and creditors.
Health & wellbeing
Depending on your age and health when you retire, you may be entitled to:
Eye tests
You can get a free eye test on the NHS once you reach age 60. You’ll need to tell your optician that you’re eligible for a free eye test and fill out a form. You’ll also need to provide proof of your age.
Prescriptions
You can get free prescriptions from the NHS once you reach age 60 in England and Wales. You’ll need to indicate on your prescription that you don’t have to pay and may need to provide proof of your age if your date of birth isn’t on the prescription. Free prescriptions are available to everyone in Scotland and Northern Ireland.
Flu jab
This is free once you reach age 65. Check with your GP or the NHS website at www.nhs.uk for further information.
Free health check
If you’re between the ages of 40 and 74 and you don’t have any pre-existing medical conditions, you’re eligible for a free NHS health check every five years. The check can identify early signs of diseases such as diabetes, and you’ll also get healthy living advice.
National entitlement card (Scotland only)
If you need to be accompanied when travelling, you can apply for a national entitlement card allowing a companion to travel free of charge with you for the same journey by bus. You’ll qualify for a companion entitlement if you receive Attendance Allowance, if you’re registered blind, or if you live in a care or residential home and are eligible to receive Attendance Allowance.
Mental wellbeing
If you’re feeling worried about things or struggling to cope with loneliness, as well as talking to your GP, you may find the following support services useful:
- www.mind.org.uk/about-us/local-minds
Local Minds provide mental health services in local communities across England and Wales. - www.anxietyuk.org.uk
Anxiety UK has a helpline and lots of information which include some webinars to help learn some tools for dealing with your mental health. - www.mentalhealth-uk.org
Mental Health UK has a help and information hub which provides tips to help you look after your mental health and wellbeing.
General wellbeing
Discover something new
Your retirement might be the time for you to learn something new. Many people over 55 take formal qualifications at universities and colleges or follow more informal courses. See what’s available on the following links:
- www.open.ac.uk – The Open University provides national distance learning.
- www.u3a.org.uk – The University of the Third Age offers more informal opportunities.
Volunteering and community involvement
A range of national charities welcome volunteers and many local charitable organisations will appreciate your help. ‘Reach’ is an organisation that seeks out volunteers who can apply their experience and knowledge from the workplace to the voluntary sector. See www.reachvolunteering.org.uk.
Other useful websites to help you find volunteering opportunities are:
- www.ncvo.org.uk (England)
- www.volunteering-wales.net (Wales)
- www.volunteerscotland.net (Scotland)
- www.doit.life
Other useful links
We aren’t responsible for the content on these websites, but you may find some of them useful and interesting.
- www.ageuk.org.uk
0800 678 1602 (8am to 7pm daily)
Age UK offers befriending services, information and advice for older people. - www.gransnet.com
Gransnet is a social networking website for over 50s, an offshoot of parenting website, Mumsnet. - www.reengage.org.uk
Re-engage usually hold monthly afternoon tea parties for people aged over 75 who live on their own. - www.thesilverline.org.uk
0800 470 8090
The Silver Line is a free, confidential helpline providing information, friendship and advice to older people, 24/7.
Bereavement services
- www.gov.uk/when-someone-dies
Guides you step-by-step through what to do when someone dies, including how to register the death, notify government departments and deal with the estate. - www.cruse.org.uk
Trained volunteers to help you make sense of how you’re feeling, no matter how long you’ve been grieving.