Pensions for people reaching State Pension Age before 6 April 2016

Current arrangements apply to people reaching State Pension Age before 6 April 2016. Including those who defer claiming their state pension (see page 70) they cover:

• a man born before 6 April 1951

• a woman born before 6 April 1953

The main benefits are:

• Basic State Pension;

• Additional State Pension – this used to be called the SERPS earnings-related pension before it was renamed the State Second Pension (S2P) in 2002; and

• Graduated Pension (the forerunner of SERPS if you were working between April 1961 and April 1975).