In September 2025, the state pensions of millions of retirees in the UK will rise by 4.1% due to the government’s much-discussed triple lock policy. The government has a policy where the state pension is revised every April by the highest of the average earnings growth, price inflation, or a guaranteed 2.5%. In 2025, out of all the factors, the price inflation prediction will be the highest with a growth of 4.1% between the months of May to September.
For the individuals receiving the new full state pension, the annual figure will increase to £11,976 which represents an increase of £473.60. Recipients of the basic state pension will also increase by £361.40 which will result in a new annual total of £9,175.40.
Who Benefits and How to Claim
Eligibility relies on contributions to the National Insurance. In order to receive the full new state pension, you will need to have a minimum of 35 qualifying years on your record. A minimum of 10 years is needed to qualify for any state pension. Upon reaching state pension age (currently 66 for all and 67 by 2028), you’ll be sent an invitation letter with a claim code. Having this, you are able to apply online, by post, or over the phone by calling the Pension Service at 0800 731 7898.
Claims made after reaching state pension age are further postponed will increase lion’s share of new state pension, thus thorough evaluation of the pros and cons is advisable. Forecasts for state pension payments can be checked online which display when the payments will start and the expected amount.
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With increase in the cost of living, the increase in the pension will be especially beneficial to retirees living on a fixed pension. The post September increase of pension will aid retirees to meet their expenses. Whether you are planning a modest holiday, grocery expenses, or to fill the tank, the extra cash will reduce the burden of expenses.
With the age for the state pension set to rise to 68 by 2044, it is recommendable to review your pension forecast and the National Insurance record. The government’s commitments to the triple lock system confirms that, for the next year, pensioners will, at least, not be sidelined as wages and prices rise.
