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Guides and forms

This section offers a wide range of guides containing more information about pensions. You can choose to read or print copies of these leaflets below. Or, you can order guides online or order guides by phone, and they will be sent to you by post.

This section also contains claim forms that you can fill in to claim an entitlement. You can either fill them in on screen then print them, or print them out to fill in by hand.

If you can't find the guide or form you are looking for on this page, try the Department for Work and Pensions website's publications section. For National Insurance contributions guides and forms go to HM Revenue & Customs website.

Our guides are also available in Welsh and in other languages, and in large print, Braille and on audio cassette.



How to read or print guides and forms

To read the guides online, or to print them, you need to have Adobe Reader installed on your computer. If you don’t already have Adobe Reader, you can download Adobe Reader from the Adobe website. Our Accessibility section tells you about alternative ways of accessing Adobe documents.


Guides for those planning ahead

A guide to your pension options [PM1]
A general summary of the pensions system and the points you should think about.

State Pensions - Your guide [PM2]
Explains whether you are likely to get a State Pension and how we work them out. It includes more details about the State Second Pension.

Occupational pensions - Your guide [PM3]
Helpful if your employer runs a pension scheme that you are a member of or are thinking of joining.

Personal pensions - Your guide [PM4]
Tells you the sort of questions you should be asking and how you can decide if a personal pension is right for you.

Pensions for the self-employed - Your guide [PM5]
If you are self-employed, this guide tells you how you can decide what options will be best for you.

Pensions for women - Your guide [PM6]
As a woman, the pattern of your working life may be different from a man's. This guide tells you what you should think about when you plan your pension.

Contracted-out pensions - Your guide [PM7]
Gives you information about leaving (contracting out of) the State Second Pension.

Stakeholder pensions - Your guide [PM8]
Tells you what you need to think about before joining a stakeholder pension scheme.

State pensions for parents and carers [PM9]
If you have given up work, or aren't earning very much because you are caring for someone, this guide may help you. It explains what to do to make sure you get as much State Pension as you can in the future.

Important information for married people - Inheritance of SERPS [SERPSL1]
Explains the new rules on inheriting the State Earnings Related Pension Scheme pension.

Backdating membership of an Occupational Pension Scheme [BM01]
Guide for people with complaints lodged with an employment tribunal. With this guide you also need to read or print a special version of the State Pension forecast application form [BR19_PTW] - [PDF file size 79kb], Cymraeg [BR19_PTWWelsh] - [PDF file size 89kb]. This State Pension forecast has been designed for part-time workers who have been granted backdated access to their employer's occupational pension scheme by an employment tribunal.
It is only for you if are considering whether to backdate membership of an occupational pension scheme.

State Pension forecast - print [BR19]
To request a forecast of what your State Pension will be when you retire, print, fill out and post this form.

Understanding your State Pension forecast [BR19L]
Find out more about your State Pension forecast and what it means to you.

Your pension statement [CPF5]
If you have received a combined pension forecast from your employer or pension scheme provider, this leaflet will help you to understand your pension statement. It will also tell you where you can get more information about state and private pensions if you need it.

State Pension deferral - Your State Pension Choice - Pension now or extra pension later: A guide to State Pension deferral [SPD1]
A detailed guide about putting off claiming your State Pension.

State Pension deferral - Your State Pension Choice - Pension now or extra pension later [SPD2]
An introduction to State Pension Deferral


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Guides for pensioners

Pension Credit [PC1L]
If you or your partner are 60 or over, you could be entitled to Pension Credit. This guide explains what Pension Credit is and how you can claim.

A Guide to Pension Credit [PC10S]
This guide is for people who want to know more about Pension Credit, such as professional and voluntary advisers.

Pensioners' guide England [PG1]
Pensioners' guide Scotland [PG3]

For information on the wide range of help and advice available through central and local government. You can also visit the section for retired people for more information.

Retirement - a guide to benefits for people who are retiring or have retired [RM1]
Provides basic advice on the benefits you may be able to get in retirement. This guide is also available in other languages, including Welsh, Arabic, Bengali, Chinese, Gujarati, Punjabi, Somali, Urdu and Vietnamese. See Other languages for more information.

Direct payment giving it to you straight [DPL1]
Have your pension paid directly into your account [AC1 ]

If you think a decision is wrong [GL24] What to do if you think our decision or your case is wrong. Published by The Department for Work and Pensions.

Going abroad and social security benefits [GL29]

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Claim forms

State Pension [BR1]
Use this form to apply for State Pension if you are less than 4 months away from State Pension age. Print it out, fill it in, then post it to your pension centre or local office.

State Pension BF225 Dependants allowance
Claiming extra pension for another adult or children? Print this form, fill it in, then post it to your pension centre or local office.

Pension Credit application form [PC1]
Use this form to apply for Pension Credit

Winter Fuel Payments

Winter Fuel Payment claim form for UK for past winters 1997/98, 1998/99 and 1999/2000
To print out and fill in, then post.

Winter Fuel Payment claim form - EEA and Switzerland for past years
To print out and fill in, then post.

Please include your birth certificate with the Winter Fuel claim form when you post it to us. Send your completed claim form for past winters to:

Winter Fuel Payments Centre
Freepost Nat15404
Cardiff
CF91 1WF


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Guides for employers, pension scheme providers and advisers

A guide to State Pensions [NP46]
This guide is for advisers and members of the public who want to know more about state pensions.

Stakeholder pensions - A guide for employers [PME1]
Explains what stakeholder pensions are, whether you are affected by the new stakeholder pension laws and what you must do.

Stakeholder pensions - A guide to registering as a stakeholder pension scheme provider [PMS1]
Tells you how you can become a Stakeholder Pension Scheme Provider.

Combined pension forecasts - technical guide [CPF3]
A technical guide on implementation of combined pension forecasts for pension scheme providers or an employer with an occupational scheme. This guide provides the technical information you need to manage combined pension forecasting.

A guide to combined pension forecasts [CPF2]
A guide on combined pension forecasts for pension scheme providers, or employers with an occupational scheme. Tells you what combined pension forecasts are and how to arrange them for your customers or staff.

Registration notes and CPF form [CPF4]
These registration notes and form are for Occupational Pension Providers or Stakeholder and Personal Pension Providers. Print the form, fill it out by hand and post it to the address given.


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General and other guides

These guides are published by the Department for Work and Pensions

What to do after death in England and Wales [D49]
A guide to what you must do and the help you can get.

What to do after death in Scotland [D49S]
A guide to what you must do and the help you can get.

Going to hospital? [GL12]
A basic guide to benefits you may be able to get and the effect on benefits you already get.

Separated or divorced? [GL13]

Widowed? [GL14]

Help if you live in a care home [GL15]

Help from the Social Fund [GL18]

Coming from abroad and Social Security benefits on the Department for Work and Pensions website

Prisoners and their families [GL32]

Vaccine damage payments [HB2]

Incapacity benefit [IB203]

Sick or disabled [SD1]

Caring for someone? [SD4]

If you think a decision is wrong [GL24]
What to do if you think our decision or your case is wrong.

Going abroad and social security benefits [GL29]


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