The Department for Work and Pensions (DWP) has admitted to underpaying thousands of pensioners, leaving an estimated £571.6 million in arrears as of February 2025.
More than 97,000 retirees are affected, many of them married women, widows, and those over 80 who were entitled to higher State Pension payments. This article explains who qualifies, how much is owed, and when back payments are expected.
Overview
The DWP began a full review of State Pension records in January 2021. By February 2025, it had uncovered systemic underpayments stretching back years. The average back payment stands at around £5,713 per pensioner, though some groups, particularly widows, are owed far more.
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| Category | Cases Reviewed | Underpayments Identified | Avg. Arrears Payment | Total Amount Repaid |
|---|---|---|---|---|
| Married Women | 317,955 | 43,367 | £5,713 | £243.8 million |
| Widows | 298,099 | 21,175 | £12,486 | £262.3 million |
| Over 80s | 89,634 | 32,474 | £2,192 | £65.5 million |
(Figures as of February 2025)
Eligibility
You may qualify for a DWP back payment if you fall into one of these groups:
- Married women who reached State Pension age before April 2016 and are entitled to 60% of their husband’s basic pension through National Insurance contributions.
- Widows who should have inherited a higher pension after their spouse’s death but did not receive the correct uplift.
- Over 80s who turned 80 before April 2016 and are receiving less than 60% of the basic State Pension.
Some pensioners may automatically be identified in the DWP review, but others may need to contact the department directly to have their case reassessed.
Steps
If you believe you may be affected, here’s what to do:
- Review your pension statements – Look for gaps or lower-than-expected payments.
- Use online calculators – Tools are available to check if you might be underpaid.
- Contact the DWP – Ask for a review of your State Pension entitlement.
Keep copies of your correspondence, as cases can take time to resolve.
Dates
The DWP has pledged to complete all pension back payment reviews by the end of 2025. Regular progress reports are issued, with the latest update released in September 2025.
Most payments are being made automatically once cases are confirmed, but delays are possible due to the complexity of claims.
Importance
For many retirees, especially those relying solely on the State Pension, these underpayments represent years of lost financial security.
While the DWP’s review is ongoing, pensioners should remain proactive—checking eligibility and requesting reassessment where needed.
FAQs
Who is most affected by DWP underpayments?
Married women, widows, and pensioners over 80.
How much is the average back payment?
About £5,713 per person, though it varies.
Do I need to apply for back pay?
Some cases are automatic, but you may need to contact DWP.
When will the DWP complete repayments?
By the end of 2025, according to current plans.
How do I check if I was underpaid?
Review your pension, use online tools, or contact DWP directly.
