YOUR STATE PENSION

Your statement includes information about the State pension you can expect to receive. The combined figures should provide an important starting point in deciding whether you are saving enough for retirement.

But do remember, your Kingfisher pension normally starts when you reach age 60, while your State pension won’t start until you reach State Pension age - 65 if you are a man and between ages 60 and age 65 if you are a woman born after April 1950.

If your Personal Benefit Statement does not contain a State Pension forecast…

This could be for one of several reasons:

• You objected to the Trustees giving your details to the Department of Work & Pensions (DWP).
• The DWP were unable to provide a forecast.

The DWP do not tell us why they cannot provide a forecast, but the most likely reason is that the information they hold about you does not match the information held by the Pensions Department. If you would like to receive a forecast next year, please contact the Pensions Team and/or the DWP to check that their records are correct.

What to do next…

If you have not received a State Pension forecast, but would like to receive one in future, or would just like more information, then please write to, or telephone, the Kingfisher Pensions Department. Contact details can be found here.

Or if you would like to obtain a State Pension forecast direct from the DWP, please contact The Pension Service, Retirement Pension Forecasting Team, Tyneview Park, Whitley Road, Newcastle upon Tyne NE98 1BA. Or telephone 0845 3000 168.

You can also obtain a State pension forecast online by visiting www.thepensionservice.gov.uk.