由于年龄资格限制等因素，许多人将获得较低金额的养老金。英国的国家养老金体系分为两种方案，因此并非所有退休人员都能领取相同标准的金额。
与其他退休人员相比，英国各地领取国家养老金的老年退休人员每年少领高达2,797英镑。
英国的国家养老金体系分为两种不同的方案——基础养老金和新养老金，每种方案的发放标准不同，这意味着您的退休日期会影响您从就业与养老金部（DWP）领取的金额。1951年4月6日前出生的男性和1953年4月6日前出生的女性有权享受基础养老金，目前全额领取者的每周金额为176.45英镑。
然而，在这些日期之后出生的男性和女性将领取新的国家养老金，符合全额领取条件者每周可获得230.25英镑——比老一辈通过基础国家养老金领取的金额每周多出53.80英镑。
在完整的一年中，申领基本国家养老金的人从英国就业与养老金部（DWP）最多只能获得9,175.40英镑的养老金支付，而参与新计划的退休人员每年可获得高达11,973英镑。这意味着老一辈人每年领取的金额要少2,797.60英镑，即使他们有资格获得全额养老金。
据英国议会数据显示，2024/25纳税年度约有857万养老金领取者申领基本国家养老金，而新国家养老金领取者仅为438万人。由于绝大多数退休人员领取的是基本养老金，这意味着与采用新制度的年轻退休者相比，约857万人每年可能少领高达2797.60英镑（约合人民币2.5万元）。《每日快报》报道指出这一养老金差距问题。
然而，年龄并非决定领取何种国家养老金的唯一因素。对于已达到领取年龄且符合基础国家养老金条件的人士，实际领取金额将根据国民保险缴纳记录来确定。
若要领取全额基本国家养老金，1945年至1951年间出生的男性通常需满足30年国民保险缴款年限，而1945年前出生者则需满足44年。
相比之下，1950年至1953年间出生的女性通常需要30年缴费年限，而1950年之前出生的女性则需要39年。因此，若您每周领取的金额低于176.50英镑，则表明您未达到全额缴费年限要求。
同样地，若您领取的是新版国家养老金且每周不足230.25英镑，则可能需要累积更多国民保险缴费年限来提高周支付额。根据规定，国民保险记录需至少满10个合格缴费年限方可领取新版国家养老金，通常需缴满35年才能获得全额。
根据三重保障机制规定，国家养老金标准每年4月6日新财年伊始上调。今年两大养老金计划均按2024年5月至7月平均周收入指数的年度涨幅调高4.1%。但值得注意的是，尽管养老金标准有所提高，相较于适用新方案的年轻群体，高龄退休人员的经济状况仍明显拮据。
英国就业与养老金保障部（DWP）宣布，今年四月实施的新标准将使领取新国家养老金者每年增加470英镑收入，而基础养老金领取者每年则可额外获得360英镑。
今年早些时候，英国就业与养老金部（DWP）就新养老金标准发表评论称：“随着上调机制生效，领取全额基本国家养老金的退休人员每周津贴将从169.50英镑增至176.45英镑，相当于每年额外增加360英镑。此外，新版国家养老金的最高标准也将从每周221.20英镑提高至230.25英镑，年增幅达470英镑。”
请完成下方问卷调查，帮助我们优化内容。我们期待听到您的反馈！
Many people will get a lower amount due to age eligibility and other factors, as the UK's State Pension system is split into two schemes, so not all pensioners are going to receive the same rate
Older state pensioners across the UK are receiving up to 052,797 less annually in State Pension payments compared to other retirees.
The State Pension system in the UK is divided into two distinct schemes - basic and new - each with different rates, meaning your retirement date affects how much you receive from the Department for Work and Pensions ( DWP ). Men born before 6 April 1951, and women born before 6 April 1953, are entitled to the basic State Pension, currently valued at 05176.45 per week if you qualify for the full amount.
However, men and women born after these dates will receive the new State Pension, worth 05230.25 per week if you qualify for the full amount - 0553.80 more weekly than older generations receive on the basic State Pension.
Over a full year, claimants of the basic State Pension can only receive a maximum of 059,175.40 in pension payments from the DWP, while pensioners on the new scheme can receive up to 0511,973 annually. This means older generations are receiving a staggering 052,797.60 less per year, even if they qualify for the full rate.
According to the UK Parliament, an estimated 8.57 million pensioners claimed the basic State Pension in the 2024/25 tax year, while only 4.38 million were new State Pension claimants. As the vast majority of pensioners receive the basic State Pension, it means around 8.57 million are missing out on up to 052,797.60 annually compared to younger retirees on the new scheme, reports the Express .
However, age isn't the only factor that determines which State Pension you receive. Everyone eligible for the basic State Pension if already reached State Pension age, the amount you receive depends on your National Insurance record.
To receive the full basic State Pension, men typically need 30 qualifying National Insurance years if born between 1945 and 1951, or 44 qualifying years if born before 1945.
In contrast, women generally require 30 qualifying years if born between 1950 and 1953, or 39 qualifying years if born before 1950. Therefore, if you receive less than 05176.50 per week, it indicates you have fewer than the full number of qualifying years.
Similarly, if you're on the new State Pension and receive less than 05230.25 per week, you may need more National Insurance qualifying years to increase your weekly payments. You need at least 10 qualifying years on your National Insurance record to receive any new State Pension, and typically 35 qualifying years to get the full amount.
State Pension rates rise at the start of every new tax year on 6 April, with both pension schemes being uprated by 4.1% this year in line with the annual increase in the average weekly earnings index for May to July 2024, under the rules of the Triple Lock. However, despite the rate increases, older pensioners are still significantly worse off compared to younger generations on the new scheme.
The Department for Work and Pensions (DWP) announced that the new rates introduced in April this year will provide pensioners on the new State Pension with an additional 05470 per year, while those on the basic scheme will receive an extra 05360 annually.
Earlier this year, the DWP commented on the new rates: "With uprating in effect, pensioners receiving the full basic State Pension will see their weekly payments rise from 05169.50 to 05176.45 per week, worth an additional 05360 a year. In addition, the full rate of the new State Pension will increase from 05221.20 to 05230.25 per week, an increase of 05470 a year."
Help us improve our content by completing the survey below. We'd love to hear from you!
辉煌优配,闪电配资,杭州股票配资平台提示：文章来自网络，不代表本站观点。
