State pension mistakes: how to check your payments are correct
Millions of people have been underpaid their state pension and many may not realise they are owed money – are you affected?

Older women could be owed thousands in state pension payments due to government errors.
There are "several different groups" of older women who may have been underpaid their state pension for "various reasons", due to errors in national insurance records, said Unbiased.
But the government has been accused of "abandoning" more than 100,000 pensioners, said The Times, due to "widespread system errors".
What are the latest developments?
Computer errors meant parents who gave up work to look after children but claimed child benefit between 1978 and 2010 missed out on a scheme known as Home Responsibilities Protection (HRP), which would have boosted their state pension entitlement.
HRP was designed to make sure parents and carers did not miss out on pension rights while they were occupied at home.
These cases arose after the Department for Work and Pensions (DWP) was checking samples for a "previous set of large-scale errors", said IFA Magazine.
In 2023, the government began writing to 370,000 pensioners who may be owed money and directed them to an online checker, but "substantial numbers" have not responded, the latest DWP annual report shows.
HMRC has corrected records of 12,379 state pension underpayments totalling around £104 million and the DWP expects to spend only a further £29.8 million.
This is "well short" of the estimates of £1 billion thought to be owed, said former pensions minister Steve Webb, now a partner at consultancy LCP.
State pension fact file
The state pension is a regular payment paid by the government to older people.
You are eligible once you reach state pension age, currently 66, and you usually need at least 10 years of National Insurance (NI) contributions to receive a minimum rate, and 35 years to get the maximum.
It increases each year based on a controversial calculation called the triple lock. The new full state pension is currently worth £230.25 a week.
Why you should check your state pension
The HRP errors are "just one group of many", said MoneyWeek, with others affected by "admin errors" that affect married women, widows and the over 80s at a combined value of £594 million.
Married, divorced or widowed women who reached state pension age before April 2016 should have automatically received up to 60% of their husband's basic state pension entitlement since 2008. However, they "could be missing out" due to errors, said Unbiased.
The DWP estimates that around 237,000 people are affected and the government department is checking records and making contact with them.
It means some married women, widows and those aged over 80 should get payments "without having to take any action", said Lane, Clark & Peacock (LCP), which helped uncover the issue. Others though, such as married women whose husbands turned 65 before 17 March 2008 and women who divorced after pension age, will need "to contact the department" or check with the Pension Service.
Some people may have died and their families will be "entitled to check their eligibility" and make a claim for any arrears, added the financial website.
LCP has a tool to check whether you are being underpaid.
How to check your state pension and fill the gaps
If you want to spot errors and see what you are entitled to, the "easiest thing to do", said MoneySavingExpert, is to check your state pension forecast.
It will tell you how many qualifying National Insurance years you've already built up, and how many more you need to get the highest state pension available.
There could be gaps for a "range of reasons", said The Telegraph, such as earning a low income where you're not required to pay NI, being self-employed and not making adequate contributions.
In certain circumstances, these gaps can be filled by making voluntary National Insurance contributions. However, individuals are only able to pay these NI contributions for the past six years. The government offers free guidance via its website to help people decide whether this course of action is appropriate for them.
Marc Shoffman is an NCTJ-qualified award-winning freelance journalist, specialising in business, property and personal finance. He has a BA in multimedia journalism from Bournemouth University and a master’s in financial journalism from City University, London. His career began at FT Business trade publication Financial Adviser, during the 2008 banking crash. In 2013, he moved to MailOnline’s personal finance section This is Money, where he covered topics ranging from mortgages and pensions to investments and even a bit of Bitcoin. Since going freelance in 2016, his work has appeared in MoneyWeek, The Times, The Mail on Sunday and on the i news site.
-
Quiz of The Week: 4 – 10 October
Quiz Have you been paying attention to The Week’s news?
-
Lee Miller at the Tate: a ‘sexy yet devastating’ show
The Week Recommends The ‘revelatory’ exhibition tells the photographer’s story ‘through her own impeccable eye’
-
The Week Unwrapped: Who had the last laugh in Riyadh?
Podcast Plus are imported eggs undermining animal welfare? And what can we do about AI deepfakes?
-
The FIRE movement catches on as people want to retire early
In the spotlight Many are taking steps to leave the workforce sooner than usual
-
The biggest changes to Social Security coming in 2026
The Explainer They will include an annual cost of living adjustment and a higher wage cap
-
Should you downsize for retirement? Here's what to consider.
The Explainer Moving to a smaller place may seem easier, but there are also some real benefits to staying put
-
How does a 401(k) hardship withdrawal work and is it smart to take one?
the explainer More Americans than ever are resorting to this option in a pinch
-
How can you get the maximum Social Security retirement benefit?
the explainer These steps can help boost the Social Security amount you receive
-
What to know about private equity in your 401(k)
the explainer BlackRock is making private investments available in employer-sponsored retirement plans
-
The downsides of a 'forgotten' 401(k) and how to find it
the explainer Don't leave your old retirement plan behind
-
Average retirement savings by age: how do you stack up?
The Explainer Determine whether you're being appropriately frugal or going overboard