{
 "id": "state_pension_deferral",
 "name": "New State Pension deferral rate",
 "category": "pensions",
 "value": "1% per 9 weeks deferred (~5.8%/year) \u00b7 minimum 9 weeks",
 "unit": "increase rate",
 "valid_from": "2016-04-06",
 "valid_to": null,
 "source_url": "https://www.gov.uk/deferring-state-pension",
 "source_org": "DWP / gov.uk",
 "confidence": "verified",
 "checked_at": "2026-08-11",
 "notes": "For those reaching State Pension age on/after 6 Apr 2016. No lump-sum option under new State Pension.",
 "history": [
  "Old scheme (pre-2016): 1% per 5 weeks with lump-sum option"
 ]
}