The Aporia · Many adults have never checked state pension forecast, says HMRC

Many adults have never checked state pension forecast, says HMRC

Read the original at Evening Standard ↗

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Shaw, V. (2026, September 14). Many adults have never checked state pension forecast, says HMRC. Evening Standard. https://www.standard.co.uk/business/money/hmrc-people-b1296922.html

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Quick Summary

HM Revenue and Customs (HMRC) research shows that 12.5% of UK adults have not checked their state pension forecast, with those aged 45 to 54 being least likely to do so. The survey, conducted by Censuswide among over 5,200 people in February and March, highlights the importance of checking one’s pension status for future preparedness. Financial experts emphasize that reviewing forecasts early can help identify opportunities to improve retirement income before it is too late.

Written by AI on 2026-09-14, from this article's own text only (the story summary below draws on all the coverage).

AI analysis

Story summary

Around 12.5% of UK adults have not checked their state pension forecast, according to research conducted by HM Revenue and Customs (HMRC). The survey, carried out in February and March by Censuswide among more than 5,200 people, revealed that those aged 45 to 54 are especially unlikely to have reviewed their forecasts. HMRC’s chief customer officer, Myrtle Lloyd, emphasized the importance of checking pension forecasts on the HMRC app, which takes only a few minutes and can significantly impact one's retirement preparedness. The survey was released during Pension Awareness Week, from September 15 to 18. Maike Currie, vice president of personal finance at PensionBee, highlighted that reviewing state pension forecasts is crucial for understanding the foundation of retirement income and recommended using mid-life as a time to assess financial readiness before it’s too late.

Written for “Pension Forecast Awareness” on 2026-11-02, grounded in this article and the 0 other(s) covering the same event.

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sentences that state something as happening or true

Uncertain

1 of 12 hedged ("reportedly", "may", "according to")

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not political

takes no side on a contested political question

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64/100

Evening Standard's corrections and hedging, across everything collected from it. Not a measure of accuracy.

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Economy/Business

Same framing elsewhere

articles that frame the event the way this one does

Who wrote this

Vicky Shaw

65 article(s) here · 1 carrying a prediction

🔮 The ABI said that homeowners concerned about subsidence should be aware of several warning signs, and may need to consider speaking to their insurer and seeking professional advice if they notice: – Cracks that are wider than 3mm – about the thickness of a £1 coin – as these may need further investigation. – Diagonal cracks, particularly if they are wider at the top than at the bottom. – Cracks that appear suddenly, rather than developing gradually through normal wear and tear.

2026-11-02 · speculative framing · Record domestic subsidence claims received after summer heatwaves – insurers

🔮 The move was welcomed by many savings and investments providers – although some raised concerns that plans for a new “starter Isa” could add more complexities to the Isa system.

2026-10-28 · assertive framing · Annual cash Isa limit will remain at £20,000 after plans for cut overturned

🔮 Here is a look at what will be available under the plans: – What is the Your First Home scheme? The scheme will provide 20% equity loans to first-time buyers.

2026-10-28 · assertive framing · What support has been announced for first-time buyers in the Budget?

🔮 The move was welcomed by many savings and investments providers – although some raised concerns that plans for a new “starter Isa” could add more complexities to the Isa system.

2026-10-28 · assertive framing · Annual cash Isa limit will remain at £20,000 after plans for cut overturned

🔮 The Financial Conduct Authority (FCA) said that understanding geographical patterns could help identify where climate-related risks may have the greatest effect on consumers and mortgage lending if flooding becomes more frequent or severe.

2026-10-26 · mixed framing · Regulator examines how flood risk relates to the mortgage market in England

🔮 The Government recently unveiled the Your First Home initiative, which will give first-time buyers the chance to buy a new build property with a 2.5% deposit, with the Government stepping in to lend them an extra 20% towards the cost.

2026-10-26 · assertive framing · ‘Critical point’ for housing industry as fall in new home registrations recorded

🔮 Read More He added: “Those coming to the end of a current fixed (mortgage) deal will not only face higher rates but also a more volatile market where deals can come and go quickly.”

2026-10-21 · assertive framing · Annual UK house price growth slowed in August for fourth month in a row – ONS

🔮 This would put someone on the full new state pension on course to receive £250.70 per week from next April – up from £241.30 per week currently.

2026-10-21 · assertive framing · Full new state pension set to top £13,000 under triple lock guarantee

🔮 Matt Smith, a mortgage expert at Rightmove, said: “It’s been a difficult few weeks for home buyers who have been watching mortgage rates rise quickly, particularly for those who had worked out what they could afford based on lower rates earlier in the year. “

2026-10-19 · assertive framing · £3,575 jump in the average price tag on a home in October – Rightmove

2026-10-18 · assertive framing · £3,575 jump in the average price tag on a home in October – Rightmove

Also by Vicky Shaw

Record domestic subsidence claims received after summer heatwaves – insurers

2026-11-02 · Evening Standard

Annual cash Isa limit will remain at £20,000 after plans for cut overturned

2026-10-28 · Evening Standard

What support has been announced for first-time buyers in the Budget?

2026-10-28 · Evening Standard

Annual cash Isa limit will remain at £20,000 after plans for cut overturned

2026-10-28 · Evening Standard

Nothing else under this byline is closely related to this article, so these are simply their most recent.

All 65 articles by Vicky Shaw →

Narrative

Claims (12 extracted, 1 hedged)

Around one in eight (12.5%) UK adults have not checked their state pension forecast, research for HM Revenue and Customs (HMRC) indicates. asserted

research → check → Revenue

A survey carried out for the revenue body indicated that 45 to 54-year-olds are particularly unlikely to have checked whether their state pension is on track. asserted

pension → carry → track

Myrtle Lloyd, HMRC’s chief customer officer, said: “Checking your forecast on the HMRC app takes just a few minutes but can make a real difference to how prepared you feel for the future.” asserted

you → say → future

HMRC commissioned Censuswide to survey more than 5,200 people across the UK in February and March. asserted

HMRC → commission → February

The research marked Pension Awareness Week, which runs from September 15 to 18. asserted

which → mark → 18

Maike Currie, vice president of personal finance at PensionBee, said: “Checking your state pension forecast is good financial housekeeping at any age and helps you understand the foundation of your retirement income. asserted

you → say → income

“Your 40s and 50s are an ideal time for a financial mid-life MOT, when retirement is coming into sharper focus but there’s still time to act. asserted

retirement → come → focus

“You generally need 35 qualifying years for the full new state pension, and gaps can usually only be filled for the previous six tax years, so delaying could mean missing the opportunity to top up.” uncertain

delaying → need → opportunity

Charlotte Kennedy, chartered financial planner at Rathbones, said: “Many people view the state pension in isolation, but retirement income is built from several moving parts. asserted

income → say → parts

“The state pension provides an important foundation, but understanding how it works alongside your workplace pension, investments and savings is what turns retirement planning from guesswork into a plan. asserted

what → provide → plan

“A quick check of your state pension forecast can give you a clearer picture of your future income and flag opportunities to improve it. asserted

check → give → it

“The earlier you understand your position, the more options you typically have.” asserted

you → understand → options

Many adults have never checked state pension forecast, says HMRC

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Claims (12 extracted, 1 hedged)