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1.2 Million UK Retired Households Mainly Rely on the State Pension, Facing an Income Gap to Minimum Standards

The full new state pension leaves a single retiree about £1,427 a year short of Pension UK’s minimum benchmark.

Overview

  • Analysis of ONS data by Just Group identifies about 740,000 single retirees and 500,000 two‑adult retired households as mainly reliant on the state pension, defined as at least 75% of household income.
  • Pension UK’s Retirement Living Standards estimate a minimum annual income of roughly £13,400 for a single pensioner, compared with about £11,973 from the current full new state pension.
  • Under the triple lock, the full new state pension will rise by 4.8% from April 2026 to £241.30 a week, a lift that commentators say still leaves many short of minimum costs.
  • Just Group’s David Cooper says many affected pensioners may need to trim budgets by around £119 a month and should check eligibility for additional benefits.
  • Coverage cites DWP figures indicating close to one million pensioners are not claiming Pension Credit worth about £2,600 a year on average.