You can claim your State Pension online, by phone or by post through GOV.UK, and it is not paid automatically. You can usually claim up to four months before reaching State Pension age; the Department for Work and Pensions may also send an invitation letter around two months beforehand. Before applying, check your State Pension forecast and National Insurance record so you understand how your entitlement may be affected. ClaimGuide is independent, so check the latest GOV.UK guidance for the correct process and eligibility rules.