Readers' forum: Pension problem

My client is rapidly approaching the age at which she will be entitled to draw her National Insurance retirement pension. However she is still employed and is paying tax at 40%. She has asked for my thoughts on whether she should claim the state pension or leave it to accrue until she ceases full-time employment.

I suppose that this request might fall under the remit of financial advice but I would like to be able to provide some information or guidance and wonder whether readers have any thoughts.

I believe that deferment of the state pension is no longer quite as generous as it once was but are there any general principles that one can provide in such circumstances. I can think of several other clients who will soon be in a similar situation and since the end of compulsory retirement I suspect that this is becoming more common...