State pension: Claimants aged 80 could get a boost of more than £80 a week – how to claim

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STATE Pension can come in two forms, basic and new state pension. The basic state pension was replaced by new state pension in 2016 and it is being phased out but there are some people who may still be receiving it.

State pension pays a guaranteed amount of income in retirement which is based on a person’s National Insurance record. Retirees of a certain age may still be able to claim what is known as the basis state pension.

Men born before April 6 1951 can claim the basis state pension.

For women, they need to have been born before April 6 1953 to be eligible.

Currently, the most that can be received from a basic state pension is £134.25 per week.

This figure will increase every year under the triple lock system, which ensures that state pension will rise by the highest of averaged earnings, CPI growth or 2.5 percent.

The more National Insurance contributions a person has the higher their basic state pension payment will be but there are some who will only get low payments from their pensions.

Fortunately, retirees of a certain age could get a boost in retirement if their income is low.

People who are 80 or older and who are getting less than £80.45 a week from their basic state pension could receive the “over 80 pension”.

The over 80 pension could boost basic state pension payments by £80.45 a week in the current tax year.

This could be a yearly boost of more than £4,000.

The boost will cover the difference between £0 and £80.45 a week so there could be some variation among claimants.

Anyone who reached state pension age on or after April 6 2016 will not be able to claim the over 80 pension.

On top of the age rules, there are other eligibility criteria’s in place which will determine who can claim.

All of the following need to apply for a person to be eligible for it:

  • The claimant is 80 or over
  • They do not get the basic state pension or it is less than £80.45 a week
  • They were a resident in England, Scotland or Wales for at least 10 years out of 20. This does not have to be 10 years in a row and the 20 year period must include the day before the claimant turned 80 or any day after
  • The person was “ordinarily resident” in the UK, Channel Islands, Isle of Man, Gibraltar, a European Economic Area (EEA) country or Switzerland on their 80th birthday or the date they made the claim for this pension, if later

Unlike usual state pension payments, the eligibility for the over 80 pension is not based on National Insurance Contributions.

To claim the over 80 pension a person will need to get a certain claim form from a pension centre or local Jobcentre Plus.

The earliest it can be claimed is three months before the claimants 80th birthday.

It should be noted that the over 80 pension counts as taxable income so it may affect other benefits that the claimant is getting.

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