State pension: How a National Insurance record can be built up without working

State pensions can also be claimed over the phone or by downloading a specific form and sending it into the government.

It’s possible to receive a state pension even if the claimant choses to continue to work.

Additionally, state pensions can be deferred if the person involved is not ready or does not wish to retire.

If this is done for a certain amount of time, it could actually boost payments down the line.


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