Nearly 13 million Brits of State Pension age are currently receiving weekly payments of up to £230.25. Those who have reached the official retirement age, which is presently 66 but will start to increase to 67 between 2026 and 2028, can choose to retire and claim their State Pension, defer it, or continue working while also claiming it.

If you're considering claiming your pension whilst still employed, bear in mind that the Personal Allowance is frozen at £12,570 until April 2028, and any income above this threshold will be taxed. Although deferring could increase annual State Pension payments by over £600 each year, many older workers might not realise that they don't need to pay National Insurance Contributions (NICs) from the age of 66.

However, this additional income doesn't automati

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