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The source describes a scheme for undoing an early claim. And even an on-time pension is cut for five years if your income is high.

The source revealed an 'under ten years' ceiling on back-payment, and a childbirth credit that from 2026 counts the first child with no cap.

Opening the Easy Law text tier by tier and overlaying the start ages: workplace and private pensions open first, the state pension a decade later.

Opening the NPS formula showed that the constant equals the replacement rate times 0.03, exactly. And the start age is set by birth year, not calendar year.

The Easy Law text prints the formula with its statutory citations. Working it shows the Basic Pension is untouched until the National Pension passes a line.