When you'll get the state pension depends on when you were born:
- Men currently qualify for the state pension at 65.
- Women born before 6 April 1950 qualified at 60, but if you were born after this, the pension age is gradually increasing to equalise pension ages at 66.
If you're a woman born after April 1950, your state pension age will vary depending on your date of birth. The younger you are, the later the pension age.
The state pension age will gradually rise to 66 for both men and women by April 2020, then again to 67 from April 2028 and then once more to 68 by April 2046. Use the Government's online State Pension Calculator to check when yours is due.
For every nine weeks you defer, your future weekly allowance increases by 1%. Delay claiming for a year and you'd get the full pension plus 5.8% extra. If you reached state pension age before 6 April 2016 it's 1% for every five weeks you deferred, and 10.4% for a whole year.
On top of the basic state pension, pension credit's an extra payment to help top up your pocket. If you're over the qualifying age and you've an income of under £163 a week, or £248.80 for couples, you may be able to get it.
In some cases, making a one-off payment of a few hundred pounds to make up for missed national insurance payments can add up to many thousands in your pocket over the years.
Depending on your circumstances, this is well worth looking into if you can afford it. To help, we've compiled tables to quickly help you find out if it's worth it for you – see the State Pension guide for more on how to boost your retirement income.
If you're aged 60 or over you can also get free local bus travel. Please see the Transport for Wales website to get more information and request a card.
If you have a Concessionary Travel Pass from a Welsh Local Authority, you can travel for free on many Transport for Wales trains.
You can travel between:
- Wrexham – Hawarden Bridge
- Machynlleth – Pwllheli (Cambrian Coast line) – October to March only
- Llandudno – Blaenau Ffestiniog (Conwy Valley line)
- Shrewsbury and Llanelli/Swansea (Heart of Wales Line) – October - March only
You will need to get a free ticket from the ticket office before you travel or from a Conductor on the train if there is no ticket office.
You will also get 1/3 off tickets to travel on the Cardiff and Valley network after 09:30 Monday - Friday and any time at weekends and bank holidays.
For more information, please visit the Transport for Wales website.
If you're 75 or over you can get a free TV licence, a great little freebie as they're usually £150.50 at full price. What's more, it also covers other household members living at the same address, and is UK-wide.
How to apply: Apply online or phone 0300 790 6117. You'll need to give your name, address, date of birth and National Insurance number.
If you're a British national born on or before 2 September 1929, you can get a free 10-year passport. They're usually £75.50, so this is a great saving for globetrotters.
How to get it: You'll need to fill in an application form. You can either do this online, or request one from HM Passport Office, the Post Office or Passport Adviceline on 0300 222 0000. See Gov.uk for full info.
Cadw Wales offers those aged 60 and over membership for £30/yr, reduced from £46. It's £50 for couples (normally £70).
Cinemas usually offer concessionary rates for older viewers while some do specific discounted screenings.
- Senior Cinema screenings at Vue cinemas are heavily discounted for over 60s and include a cup of tea and a biscuit too.
- Silver Cinema screenings at Odeon cinemas start at £3 and include tea, coffee and biscuits.
- Empire cinemas Seniors screenings are every Wednesday morning and include tea and biscuits. Again, tickets are just £3.
- Showcase cinemas have screenings every Monday, where the senior admission to any film starting before 12pm noon will be just £5.
- Picturehouse cinemas have a weekly Silver Screen Club. Membership is free and it includes discounted tickets and a free cup of tea or coffee with biscuits.
People over 60 can sign up for Boots Health Club to receive 10 clubcard points per £1 spent on selected Boots brand products when you shop.
Other exclusive savings for club members include 25% off Boots brand glasses at Boots Opticians and extra points at Boots Hearingcare Centres. Find out more at boots.com
- Hungry Horse pubs offers a ‘Golden Years’ menu for over 60s. It entitles you to two-courses for £4.69 but you can add a third course for £1.50. Portions are smaller than the standard menu, however.
- Certain Greene King pubs also offer senior menus at reduced prices and with smaller portions.
- McDonald's have discounts on coffee and beverages (55+)
- Wendy's have free coffee or other discounts depending on location.
- Subway have 10% off depending on location.
- Pizza Hut have special discounts for 50+ up to 50% !
- Burger King offer 10% discount depending on location (60+)