Pat, 68, from Rochdale, has said she deeply regrets deferring her state pension and feels she was not given all the facts before making the decision. The former teaching assistant turned 66 in August ...
The first State Pension payment might also be higher or lower than expected even with full National Insurance Contributions.
Jan Williams, 79, deferred taking her state pension to avoid paying higher tax as she was still working. But she admits she would not do it under today's rules ...