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State Pension age changes

State Pension age is the earliest age at which you can get your State Pension. The age for men and women is changing. Read this guide to find out more.

1. What is State Pension age?

State Pension age is the earliest age at which you can get your State Pension. 

There are now two types of State Pension:

You can check the date that you reach State Pension age on the Check your State Pension age page of the government website.

State Pension age is changing. State Pension age has been increasing for women to match the State Pension age for men. From December 2018, State Pension age will increase for both men and women. Read more about the changes in the State Pension age - What is happening to State Pension age? section of this guide.

Applies to: England, Wales, Scotland and Northern Ireland.

Options when you reach State Pension age:

  • Stop working and get your State Pension
  • Carry on working and get your State Pension as well
  • Carry on working and put off claiming your State Pension. You may be able to get extra State Pension or a lump-sum payment when you do claim it.

 

Updated January 2017

2. What is happening to State Pension age?

Women's State Pension age increased to 65

From 6 April 2010 to November 2018, the State Pension age for women gradually increased from 60 to 65. This affects all women born on or after 6 April 1950.

Men and women's State Pension age increasing to 66

From December 2018, men and women's pension age will increase from 65 so that it reaches 66 by October 2020. You will be affected by this if you are a woman born on or after 6 April 1953 or a man born on or after 6 December 1953.

Men and women's State Pension age increasing further

The Government plan to increase State Pension age to raise it from 66 to 67 between 2026 and 2028. This would affect those born on or after 6 April 1960.

A further increase is planned to raise the State Pension age from 67 to 68 between 2044 and 2046, but this may be brought forward.

You can check the date that you reach State Pension age on the Check your State Pension age page of the government website.

 

 

Updated January 2017

3. What is my State Pension age?

Our Benefits Calculator tells you when you can start claiming your State Pension and when you can start claiming Pension Credit.

You can also check your State Pension age and whether you can start claiming Pension Credit on the Check your State Pension age page of the government website.

Your State Pension age is the same as your Pension Credit age unless you are a man born before 6 December 1953.

4. State Pension age and benefits

Your age may affect which benefits you can claim. When you reach State Pension age or Pension Credit age, you can start claiming some benefits and some other benefits stop. There are also some benefits that you can claim at any age (as an adult).

Your State Pension age is the same as your Pension Credit age unless you are a man born before 6 December 1953. You can check your State Pension age and whether you can start claiming Pension Credit on the Check your State Pension age page of the government website.

Benefits affected by your pension age

Benefits you can claim when you are old enough

Pension Credit age

Pension Credit can be claimed once you (or your partner) have reached Pension Credit age. Pension Credit is for older people on a low income. From 15 May 2019 you will only be able to claim Pension Credit if both you and your partner are over Pension Credit age.

Winter Fuel Payment is available once you (or your partner) have reached Pension Credit age. It is a one-off payment £100 or £200 per year towards your heating costs.

At age 65+

Attendance Allowance can be claimed if you are 65 or over and you have care needs.

Savings Pension Credit is available to some people aged 65 or over. It is being phased out so it is not available to everyone. You can use our Benefits Calculator to check your entitlement.

State Pension age

Basic State Pension is available to people who reached State Pension age before 6 April 2016 if they paid enough national insurance contributions.

New State Pension is available to people who reach State Pension age on or after 6 April 2016 if they paid enough national insurance contributions.

At age 80+

Winter Fuel Payment increases to £150, £200 or £300 per year when you reach 80 years old.

Other help you can claim when you are old enough

At age 60+ 

When you are 60 or over, you are eligible for a Senior Railcard so you can pay cheaper fares on national rail. You can find out more on the Senior Railcard website.

State Pension age

Free local bus transport is available once you have reached State Pension age. You can apply for a pass from your local council. You can find your local council’s website on the Find your local council page on the Gov.UK website

At age 75+

When you are 75 or over, you are eligible for a free TV license. You can apply for your free TV license on the Over 75 TV licence page of the TV licensing website

Benefits you can't claim when you reach State Pension age or Pension Credit age

Pension Credit age

Income-based Jobseeker’s Allowance, Income-related Employment and Support Allowance, Income Support and Universal Credit stop when you (or your partner) reach Pension Credit age.

State Pension age

Contribution-based Jobseeker's Allowance and Contributory Employment and Support Allowance stop when you reach State Pension age.

You cannot make a new claim for Disability Living Allowance (DLA) or Personal Independence Payment (PIP) once you have reached State Pension age.  If you were already claiming DLA or PIP, you can renew the claim even though you are over State Pension age, as long as you are claiming for the same health conditions and your last claim ended less than one year ago. (DLA claimants who were born before 8 April 1948 will not be transferred to PIP. Other claimants will be transferred to PIP).

Bereavement Support Payment and Widowed Parent’s Allowance are not available once you reach State Pension age.

Benefits not affected by your pension age

You can claim these benefits even if you are over State Pension age:

You can claim these benefits even if you are over State Pension age as long as your income is low enough:

 

Updated: March 2019

5. Will this change affect my work or personal pension?

The changes to State Pension age are unlikely to affect when people can take their work or personal pensions because this age is usually set by the employer or pension provider.

You can find more information on the Pension Reform page of the Pensions Advisory Service website