Pension in the UK after 10 years

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Pension in the UK after 10 years

Many of us have a habit of bothering question about his future. At the moment, people in the UK have a job and they often receive appropriate benefits, of course they sometimes are in better situation and sometimes in worse. Nevertheless, the money is – and even if someone is momentarily out of work, he quickly finds something new or receives a benefit. Everything is beautiful and good, until we are young and healthy. But what if our pension in the UK after 10 years will not be too high? So how does pension in the UK look like, and what can we expect? How many worked years should you have in the UK? What if we will move to another country? These questions I will try to answer today ….

Be sure to read the entry that is very popular on this blog: pension in England

Personally, I think that  pension, which concerns all of us, after all, requires a thorough explanation. So let’s start from the basic pension, which in the UK is called the Basic State Pension (recently there has been a reform, and we have The New State Pension). This, in turn, is given by paying National Insurance Contributions.

What do I need to get the State Pension?

To receive the full premium, above all, we must pay the National Insurance contributions for 30 years (for new pension – 35 years). So, in order to receive the basic pension in the UK you must work a minimum 30 years. Previously, the requirement of the worked years for men was 44 years and for women 39 years. From 6 April 2010, you must work for 30 years to receive a pension in the UK.

Another condition is to reach the retirement age, for the moment – the retirement age is 60 for women and 65 for men – the retirement age in 2007 has been extended. In the initial phase, the age of men and women has been aligned, and then it increased to 68 years of age. The raising the retirement age will take place in stages and in the first stage, which began April 6, 2010 the age will still increase, and the retirement age for women is aligned with the retirement age of men to November 2018. The next stage is to raise the retirement age for women and men to 66, which will cover the period from December 2018 to 2020. So, people born in 1953 or 1960 will retire when they reach 66 years of age.

Therefore, I will decide on own destiny and I will plan to retire at age 55.

If you want to check what is the retirement age in other countries, it is necessary to read the entry: retirement age in Europe.

For those interested in checking the retirement personally, I recommend – State Pension age calculator available on the state’s website. Just type your date of birth to give the calculation of the retirement age.

I have also very important information on National Insurance Contributions. Unfortunately, but it is not enough to work for 30 years, you should also pay NICs for this period. Unfortunately this is not the case quite clear ….

Example: ,,Anna, who works for the agency three days a week receive £ 95.00 per week. You should earn more than £ 155 a week, which means that the employer does not pay contributions to the NIC from her salary and thus the years worked by her will not include in her retirement. And even though Anna has worked for 30 years, she will not receive a pension because she did not pay contributions to the NIC.

pension in the england after 10 yearsMore on contributions you can read here:

What about mothers who stopped work to take care of children?

In the case of mothers who do not work but they still receive Child Benefit, the state pays -National Insurance Credit. It means that up to 12 years old of our child, the years spending on his upbringing are treated as the worked years. In the case of single mothers, they should try to get a National Insurance Number, and then submit a new application for Child Benefit, this time for themselves.

If you are seriously interested in retirement, you can read the entry: how to save for retirement.

Retirement in England What pension can we expect when we reach 68 years and when we worked through a minimum 30 years?

And here have not very pleasant surprise, because the amount of the basic state pension is based on the so-called flat rate, which is the same for everyone, regardless of whether someone worked for 30 or 40 years and that he paid contributions to National Insurance Contributions. There the amount of state pension in a tax year is always £ 102.15 per week for single people and £ 163.35 for a couple. It is worth remembering, too, that same State Pension is properly taxed and independent of earnings and the amount of contributions paid to the National Insurance Contribution.

Example: „if someone earns £ 110 a week, after reaching the retirement age, he will get the same height of pension as the person who earned £ 1,100 a week.”

Why is there the myth of 10 worked years to obtain the right to a pension?

Currently, the new pension system meant that you should work at least 10 years to receive a pension, and through these 10 years you must pay NIN contributions.

If you are seriously interested in the topic of retirement do not rely on state and try to get a private pension. You can read: private pension in the UK.

10 years refers to the fact that after that time we acquire pension rights, and we will receive the equivalent of just 10 years.


As we can see, the theme of pension is not easy and the right for pension is changing and the United Kingdom, like other European Union countries has a big problem with public finances. Like everywhere, and there is no money. If we add here is that we are living longer and less and less children are born, there is the question whether the pension system in its current form will survive the test of time.

If you do not know if you already qualify for retirement, you can read the entry: pension calculator.

Remember that social security, which we enjoy today, is something new and inaccessible to people from countries from the third world. It should appreciate the fact that we can rely on in old age financial assistance and back to our „theme” „a pension in the UK after 10 years is possible, but do not forget that these systems are subject to constant transformation and we are responsible for the so-called our „golden age”.

But do not even rely on retirement and treat it as a supplement. We still have a little time to take care of our future. And what do you do to secure your old age?

NOTE: I present private opinions and I am not responsible for the readers’ decisions. I always try to present current information but may no longer be up to date. Therefore, before making a decision, please verify them and consult a licensed financial adviser.


Hey! Nazywam się Radek i na codzień ciężko pracuję w Anglii i myśl, że na emeryturę będę mógł przejść dopiero po 68 latach nie jest mi na rękę. Dlatego udowodnię, że jest to możliwe w wieku 55 lat a może i wcześniej. Zobacz na tym blogu jak chcę to osiągnąć.


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