Millions of UK residents are preparing for a significant change to their retirement timeline as the State Pension age is set to rise from 66 to 67 starting April 2026. Originally legislated in 2014, this transition reflects longer life expectancy and the financial realities of supporting an ageing population. With more people living longer, the government aims to keep the pension system sustainable—though not without implications for individuals nearing retirement.
This gradual change will affect anyone born between March 6, 1961, and April 5, 1977, who will now need to wait until age 67 to begin receiving their State Pension.
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What’s Changing and When?
Currently, both men and women are eligible to claim the State Pension at age 66. Beginning in April 2026, the age will incrementally increase, reaching 67 by March 2028. The change won’t happen all at once—it will be phased in over two years.
Who’s Affected?
| Date of Birth Range | New Pension Age |
|---|---|
| Before March 6, 1961 | 66 |
| March 6, 1961 – April 5, 1977 | 67 |
| After April 6, 1977 (projected) | Likely 68 or higher |
If you fall within the affected window, you’ll need to adjust your retirement planning accordingly.
Why the Change?
The government’s rationale is driven by longer life expectancy and public spending constraints. In 1948, when the modern State Pension was introduced, average life expectancy was around 66. Now, it’s over 80, meaning many people are drawing pensions for 20 years or more.
As more individuals live longer, the cost of pensions—already over £100 billion per year—is rising rapidly. To maintain the system’s affordability, the government is gradually increasing the pension age.
Future Increases on the Horizon
While the shift to 67 is set in stone, the government is already eyeing a rise to 68, with some suggesting this could happen sooner than 2046, the current target date. There’s even talk of a potential increase to age 69, although no official timeline exists.
The Department for Work and Pensions (DWP) reviews the pension age every five years. Under the new Labour government, a fresh review of retirement policy is expected—possibly reshaping future eligibility even further.
State Pension Increase in April 2025
In better news for retirees, the State Pension will rise by 4.1% in April 2025, thanks to the Triple Lock—a guarantee that pensions increase each year by the highest of:
- Inflation (CPI)
- Average wage growth
- 2.5% baseline
New State Pension Amount (April 2025):
| Pension Type | Current Annual | 2025 Annual | Weekly Equivalent |
|---|---|---|---|
| New State Pension | £11,541.90 | £12,016.75 | ~£231/week |
This increase adds about £474.85 per year to the State Pension, helping retirees keep pace with rising living costs.
Planning for Retirement: What You Can Do Now
As the pension age rises and the economic landscape shifts, planning becomes even more critical. Here are a few steps to stay on track:
- Check your pension age using the official GOV.UK State Pension age tool.
- Review your National Insurance record to ensure you’re on track for a full pension.
- Consider private or workplace pensions to supplement State Pension income.
- Adjust your retirement timeline if you’re impacted by the 2026–2028 changes.
- Factor in cost-of-living increases, especially if relying heavily on the State Pension.
The move to increase the State Pension age is about more than numbers—it directly affects the retirement plans, health, and financial security of millions. While the policy shift may be necessary from a fiscal standpoint, it underscores the importance of early planning, financial literacy, and diversified retirement income. With further changes likely in the coming decades, staying informed is key to securing a stable future.
FAQs
When will the State Pension age rise to 67?
The increase begins in April 2026 and will be fully implemented by March 2028.
Who is affected by the new pension age?
Anyone born between March 6, 1961, and April 5, 1977 will now receive their State Pension at age 67.
Is a further rise to age 68 or 69 expected?
Yes. A move to age 68 is planned, and future reviews may bring that timeline forward or propose age 69.
How much is the State Pension increasing in 2025?
The New State Pension will rise by 4.1% to £12,016.75 per year, or about £231 per week.
How can I check my pension age?
Use the official GOV.UK tool to confirm your State Pension age and entitlement.
