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UK State Pension

A flat-rate government pension paid weekly based on National Insurance contribution years, not on how much you earned.

The UK State Pension pays a set weekly amount once you reach State Pension age, based on the number of "qualifying years" of National Insurance contributions or credits — typically 35 years for the full amount, with a minimum of around 10 years needed to get anything at all. Unlike workplace pensions, the amount doesn't depend on salary history, only on contribution years.

Worked Example

Someone with 28 qualifying years out of the 35 needed for a full State Pension would receive roughly 28/35 (80%) of the full weekly rate, regardless of how much they earned during those years.

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