When circumstances change
What happens when my circumstances change?
Most people's circumstances will change again and again before they reach State Pension age - and that might mean you want to save more, or reduce your payments for a while.
You might change your job, decide to become self-employed or not be able to work for long periods while you're looking after children or caring for someone. You may be injured or ill and not able to work. All of these factors can affect your ability to pay contributions into a pension scheme. Other important changes can involve getting married or forming a civil partnership, getting divorced or ending a civil partnership, or going to live and work abroad, which can change the amount of money you're entitled to.
When important changes like this happen, it’s a good idea to review your pension arrangements. Contact The Pension Service to get an up-to-date pension forecast, and the Financial Services Authority (FSA) to find out more about reviewing your pension and financial planning.
Get a State Pension forecast online
See if you can get an online State Pension forecast. This will give you an estimate of how much basic State Pension and additional State Pension you may get when you reach State Pension age.
