This is a benefit that is payable to both men and women when they reach pension age. The amount of pension you will receive depends on the number of social security contributions payments you have made.
There are two contribution conditions that must be met for you to get your old age pension:
- You must have made at least 156 contributions payments, that count towards benefit, in your working life.
- For your pension to be paid at the full rate you must have paid at least 50 contributions in each year during your working life, for a minimum of 45 years
How much will I get?
- Old age pension is paid at different rates depending how many contributions payments you have made and when during your working life. If you have made 156 contributions payments that count towards benefit during your working life but you have not paid at least 50 contributions in each year during your working life for a minimum of 45 years you may be able to receive a pension at a reduced rate.
- If you were a married or divorced woman by 31 December 2003, you may be able to use your husband or ex-husband's contribution record to increase the amount of pension you can receive.
- The rates of pension are set out in the Benefit Payment and Contribution Rates leaflet (Leaflet 50) that can be found in the downloads section of this page.
How do I claim old age pension?
- A letter will be sent to you by Social Security inviting you to claim your pension about three months before you are due to reach pension age (currently aged 65). If your letter does not arrive you should contact the Pensions and Allowances helpline on 732506.
Increase in Pension Age from 2020
- From 2020, the pension age will start to rise. It will go up, over time, from 65 to 70 years old. If you were born before 1st January 1955 the changes will not affect you and you will receive your old age pension at 65. For everyone born on or after 1 January 1955, we have provided a pension age calculator and a Pension Age Table in the downloads section to help you to find out what your pension age will be and help you start thinking now about how the pension age changes might affect you. In general, the pension age will increase by 2 months annually beginning on 1 March 2020. If you were born after 1 March 1979 you will be one of the first people to get your old age pension at 70 years of age.
- The detailed legislation setting out the change to the pension age can be found in Billet I of 26 January 2016 which is provided in the downloads section of this page.
- If you are an employer you may have some payroll or other IT systems that need to take account of the changes. More information about the increase in pension age is provided in the downloads section including communications about this project and relevant documents:
- August 2015 - Flyer sent to payroll suppliers: Payroll suppliers received a flyer regarding the system implications of the approved change in Guernsey Old Age Pension. July 2015 - All States Departments received a message regarding the possible impact of the increase in pension age on services and policies that are aligned to the pension age being set at 65 years.
More detailed information about the old age pension is provided in the Old Age Pension leaflet (Leaflet 15) and the rates of payment are provided in the Benefits and Contributions leaflet (Leaflet 50). They are both available in the downloads section of this page.
The most frequently asked questions can be found Increase in pension Age FAQs [435kb]
If you have an enquiry regarding your pension payment, please contact the Pensions and Allowances helpdesk on 732506.
If you have an enquiry regarding your contribution record, pension entitlement, or would like a pension estimate, please contact the Contributions helpdesk on 732502.