When the new flat rate State Pension comes into effect on 6 April 2016, there will be winners and losers. The potential losers need to take action now.

From that date you need to have 10 qualifying years in order to get anything. To get the maximum you will need to have 35 qualifying years – currently it is 30 years.

So go online and Google “get a state pension statement”, fill out the form and find out what you can expect to receive. Then take advice on how you may be able to improve the situation.