Sarah Coles and Helen Morrissey break down key questions around the state pension - who gets it, when you can claim, and how much you might receive. They look at how the triple lock affects payments, why now is a crucial time of year, and how rising state pension ages could impact your retirement plans.

They also explain how your National Insurance record affects what you get, what to do if there are gaps, and how to check if you’re on track for the full amount.

This podcast isn’t personal advice. If you’re unsure what’s right for you, seek financial advice. Pension and tax rules can change, and benefits depend on personal circumstances. 

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