Be realistic about government benefits
Don’t assume you’ll automatically receive a state or government pension on retirement. You need to apply for one, and there are strict rules on who qualifies for either a full or a part-pension. Check with the appropriate state or government authority for more information.
Save time by asking for help. The rules on pension eligibility are complex and you may need help from the appropriate government department, to check that your eligibility has been accurately assessed.
Take care when dealing with government departments; it can be a very difficult and time-consuming process to rectify errors. To avoid errors arising, ensure the information and paperwork you supply is organised and complete before you hand it over for assessment.
From: 10,001 Time Saving Ideas