关于国家养老金“三重锁定”机制未来的猜测再度浮现，有报道称该机制可能被取消，以为新的社会护理计划提供资金。
Speculation about the future of the triple lock arrangement for the state pension has resurfaced, with reports it could be scrapped to help fund a new plan for social care.
“三重锁定”机制保证国家养老金每年按照通胀率、工资增长率或2.5%三者中的最高值进行上调。
The triple lock guarantees that the state pension goes up each year in line with either inflation, wage increases or 2.5% - whichever is the highest.
最新的工资数据显示，由于该机制的作用，2027年4月新的国家养老金每年将增加488英镑。
Recent wage data indicates the new state pension will rise by £488 a year in April 2027 as a result of the arrangement.
然而，人们对“三重锁定”机制成本高昂的担忧，引发了关于其是否负担得起的辩论。
However, concern over how much the triple lock is costing has triggered a debate over whether it is affordable.
国家养老金是政府每四周向达到法定领取年龄且缴纳了足够国民保险（NI）费用的人群发放的款项。自2026年4月6日起：新的定额国家养老金——适用于2016年4月之后达到国家养老金年龄的人群——为每周241.30英镑，即每年12,547.60英镑；旧的基础国家养老金——适用于2016年4月之前达到国家养老金年龄的人群——为每周184.90英镑，即每年9,614.80英镑。许多领取旧基础国家养老金的人可能还会获得额外的国家养老金。
The state pension is a payment made every four weeks by the government, to people who have reached the qualifying age and have paid enough National Insurance (NI) contributions. Since 6 April 2026: the new flat-rate state pension - for those who reached state pension age after April 2016 - is £241.30 a week, or £12,547.60 a year the old basic state pension - for those who reached state pension age before April 2016 - is £184.90 a week, or £9,614.80 a year Many people on the old basic state pension may also receive the additional state pension.
一般来说，你需要有35年的合格缴费记录才能获得全额国家养老金。
In general, you need 35 years of qualifying contributions to get a full state pension.
有些人可能在国民保险记录中存在缺口，例如，他们曾居住在国外，或曾休假照顾子女。
Some people may have gaps in their NI record if, for example, they have lived abroad or taken time off to care for children.
可以通过自愿缴费来增加你的缴费历史。自2025年4月起，你只能为过去六年的记录进行缴费。数据显示，国家养老金将在2027年4月上调，这意味着：定额国家养老金——适用于2016年4月之后达到国家养老金年龄的人群——预计将为每周250.70英镑，即每年13,036.40英镑，比目前增加488英镑。政府将确认这一涨幅，可能会在10月的预算案中公布。
It is possible to make voluntary payments to boost your contribution history. Since April 2025, you have only been able to make payments for the previous six years. Data suggested that the state pension will increase in April 2027, meaning: the flat-rate state pension - for those who reached state pension age after April 2016 – will likely be £250.70 a week, or £13,036.40 a year, up £488 on now The government will confirm the rise, possibly in October's Budget.
在“三重锁定”机制下，国家养老金每年4月按照以下三项指标中的最高值进行上调：上一年的9月通胀率、一种名为消费者价格指数（CPI）的指标、上一年的5月至7月英国包括奖金在内的工资总额平均增幅为2.5%。工资3.9%的增幅很可能将决定2027年4月国家养老金的增幅。
Under the triple lock system, the state pension increases each April in line with whichever of three measures is the highest: inflation in the September of the previous year, using a measure called the Consumer Prices Index (CPI) the average increase in total wages, including bonuses, across the UK for May to July of the previous year or 2.5% The rise in wages of 3.9% is likely to determine the April 2027 state pension increase.
“三重锁”是由2010年的保守党—自由民主党联合政府引入的。
The triple lock was introduced by the Conservative-Liberal Democrat coalition government in 2010.
其目的是确保国家养老金的实际价值不会被生活成本或在职收入的上涨所超越。工党政府此前曾表示，将维持“三重锁”直至本届议会任期结束。
It was designed to ensure the value of the state pension wasn't overtaken by the increase in the cost of living or the incomes of working people. The Labour government has previously said it would keep the triple lock until the end of the current Parliament.
但自作出这一承诺以来，围绕“三重锁”的成本以及其是否合理的争论一直十分激烈。
But since that commitment, there has been intense debate over the cost of the triple lock and whether it is justified.
2025年7月，政府的官方预测机构表示，到本十年末，“三重锁”担保的成本预计将达到实施之初所预期的三倍。
In July 2025, the government's official forecaster said the cost of the triple lock guarantee was set to be three times higher by the end of the decade than was originally anticipated when it began.
预算责任办公室（OBR）表示，这项成本预计到2030年将达到每年1550亿英镑。
The Office for Budget Responsibility (OBR) said the annual cost is set to reach £15.5bn by 2030.
该机构表示，过去八十年来，国家养老金的成本持续上升，如今已达到1380亿英镑，约占政府福利支出总额的一半。
It said the cost of the state pension has risen steadily over the past eight decades, and now equates to £138bn, or around half the total amount the government spent on benefits.
7月，具有影响力的财政研究所智库建议，应在更广泛的养老金改革中取消“三重锁”。
In July, the influential Institute for Fiscal Studies think-tank suggested that the triple lock should be scrapped as part of a wider pensions overhaul.
目前有传言称，政府正考虑在下次大选后取消“三重锁”，以便为新的社会照护计划提供资金。
There is now speculation that the government is considering ending the triple lock after the next general election as a way to fund a new social care plan.
预计2027年4月的增幅将使统一标准的国家养老金超过12570英镑的个人免税额，因此明年可能需要缴纳约91英镑的所得税。
The expected increase in April 2027 would take the flat-rate state pension above the personal allowance of £12,570 and so liable to pay about £91 next year in income tax.
工党政府在蕾切尔·里夫斯担任财政大臣时曾承诺，完全依靠国家养老金生活的退休人员无需填写报税表，也不会被追缴税款。
The Labour government - when Rachel Reeves was chancellor - pledged that pensioners who rely solely on the state pension would not be required to complete a tax return, nor be chased to pay.
然而，商业大臣乔纳森·雷诺兹并未明确表态，称这要由新任财政大臣约翰·希利在预算中决定。
However, Business Secretary Jonathan Reynolds was non-committal, saying that it was a decision for the new chancellor, John Healey, in the Budget.
由于在国家养老金之外还有其他养老金收入，大多数养老金领取者已经是所得税纳税人。目前有近1300万人领取国家养老金。
The majority of pensioners are already income taxpayers owing to the addition of other pension income, on top of the state pension. Almost 13 million people currently receive the state pension.
1954年10月6日至1960年4月5日之间出生的男性和女性，从66岁开始领取养老金。
Men and women born between 6 October 1954 and 5 April1960 start receiving their pension at the age of 66.
但对于在此日期之后出生的人，国家养老金领取年龄分两个阶段提高：1960年4月5日及之后出生的人，逐步提高到67岁；1977年4月5日及之后出生的人，在2044年至2046年间逐步提高到68岁。从66岁提高到67岁的进程已于2026年4月开始。
But for people born after this date, the state pension age is increasing in two phases: a gradual rise to 67 for those born on, or after, 5 April 1960 a gradual rise to 68 between 2044 and 2046 for those born on, or after, 5 April 1977 The rise from 66 to 67 began in April 2026.
首批受影响的是1960年4月6日至5月5日之间出生的人，他们需要多等一个月。
The first affected are those born between 6 April and 5 May 1960, who will have to wait an extra month.
预计到2030年，这一提高每年将为财政部节省约100亿英镑。
The increase is expected to save the Treasury about £10bn a year by 2030.
但慈善机构警告称，这将不成比例地影响英国预期寿命较低的地区以及低收入人群。
But charities have warned that it will disproportionately affect areas of the UK where life expectancy is lower, and those on lower incomes.
政府正在审查是否推迟第二阶段，该阶段目前将在2044年至2046年间把国家养老金领取年龄提高到68岁。
A government review is considering whether to delay the second phase, which would currently take the state pension age to 68 between 2044 and 2046.
根据其总体收入情况，超过退休年龄的人除了基本国家养老金外，还可能有权领取养老金抵免。养老金抵免在2026年4月提高了4.8%。
Depending on their overall income, those above retirement age may also be entitled to pension credit in addition to the basic state pension. Pension credit increased by 4.8% in April 2026.
如果你的收入高于规定限额，但你有残疾或需要照顾他人，你仍可能有资格领取养老金抵免。
If your income is above the stated limits, you may still be eligible for pension credit if you have a disability or care for someone.
任何符合养老金抵免资格的人也可能有权获得其他经济支持，包括住房补贴、市政税减免、取暖费用补助以及温暖家庭折扣计划。
Anyone who qualifies for pension credit may also be entitled to other financial support, including housing benefit, a reduction in council tax, help with heating costs and the warm home discount scheme.