State benefits, pensions and related manuals

We have some useful questions and answers and links to information from a variety of sources relating to state benefits, pensions and related manuals.  To make it easier to find we've put it all on this page.

Employment and Support Allowance

Read our top questions on Employment and Support Allowance.

HMRC manuals

HM Revenue and Customs (HMRC) produce a number of manuals for their staff. The guidance contained in these manuals is not comprehensive nor will it provide a definitive answer in every case.

State pensions

State Pension guide

When the new state pension was introduced for those reaching pension age from 6th April 2016 it was intended to be much simpler than the system it replaced. In this guide we aim to explain how the new pension works, and how much you could expect to receive.

Topping up your State Pension

There are various detailed things to think about when deciding whether or not it is worth topping up your State Pension.  This is explained in our  step-by-step guide to topping up your State Pension. We hope that it will be useful to you and clients who are considering boosting their state pension in a cost-effective manner.

GOV.UK calculators

New State Pension

The new State Pension replaced the basic State Pension in April 2016. Existing benefits will be protected.

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Last updated: 17 Jun 2019

This website is intended for financial advisers only and shouldn't be relied upon by any other person. If you are not an adviser please visit royallondon.com.

The Royal London Mutual Insurance Society Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The firm is on the Financial Services Register, registration number 117672. It provides life assurance and pensions. Registered in England and Wales number 99064. Registered office: 55 Gracechurch Street, London, EC3V 0RL.