Buying FTSE 100 (INDEXFTSE:UKX) dividend shares could help you to overcome an inadequate State Pension, in my opinion. : People who are hoping to live comfortably off the State Pension in retirement may be disappointed. It amounts to just £8,767 per year, which is around a third of the average annual salary in the UK. As such, saving for retirement could be a worthwhile move. However, with interest rates low at present, it’s difficult to obtain an income return of over 1.5% from a Cash ISA.