Is your state pension being under-paid?

Thousands of married women may be receiving too little state pension.

In some cases this is because government computers have failed to automatically award the correct rate of pension. In other cases it is because the women concerned did not know they could claim a higher rate when their husband reached pension age.

LCP has created a calculator to help you identify if you may be affected. By entering a few details about you and your husband, you’ll be able to get an indication of whether you may be receiving too little. Please note that this calculator does not apply to those living in countries such as Australia where UK state pensions are frozen and not updated each year.

While we at LCP aren’t authorised to give advice on individual situations, if you have any concerns or questions about your pension you should contact the Pensions Service directly, or if you need some financial advice, please do choose a financial adviser who is authorised by the Financial Conduct Authority – you can find one via the Money Advice Service

However, if you’d like to get in touch to let me know about your experience with this, and tell me how you get on, I’d love to hear from you. Making sure people receive what they’re entitled to was always a key goal for me as pensions minister, and I remain just as invested today as a partner at LCP. If you'd like to get in touch, you can email me at

To check if you might be affected, you can answer a few simple questions below.

Please note that you are providing your data on an anonymous basis; LCP does not store any of the personal data you input. You should always seek independent financial or legal advice before making any financial or investment decisions. LCP does not provide any warranty, guarantee, or representation as to the accuracy or sufficiency of the information featured on this page.

This page has been designed to provide information for married women.  Information of relevance to divorced women can be found on the Pensions Advice Service website here, whilst information on the rules for widows can be found here.  There are also special rules for those aged 80 or over which can be found here

Further reading on the ‘This is Money’ website

Information on this webpage does not constitute financial advice or other professional advice, nor a recommendation of a particular course of action.

Lane Clark and Peacock LLP, its officers or employees do not accept any responsibility or liability for any loss, damage or inconvenience caused by action taken (or a decision not to take action) as a result of information provided by this.