The Department for Work and Pensions (DWP) has confirmed a phased increase in the State Pension age, set to begin in April 2026. This change will impact millions of people across the UK, specifically those born between March 6, 1961, and April 5, 1977. Over a two-year period, the State Pension age will rise from 66 to 67.
This shift has significant implications for financial planning, retirement timelines, and overall pension expectations. Understanding the details is essential for anyone nearing retirement age.
Summary Table: DWP Confirms State Pension Age Increase
| Topic | Details |
|---|---|
| Policy | Increase in State Pension age from 66 to 67 |
| Affected Group | People born between March 6, 1961, and April 5, 1977 |
| Timeline | April 2026 to March 2028 |
| Reason | Rising life expectancy, aging population |
| Legislation | Pensions Act 2014 |
| Future Plans | Further increase to 68 between 2044–2046 (subject to review) |
| Official Website | GOV.UK – Check your State Pension age |
Key Changes to the State Pension Age
The government is implementing this rise gradually between 2026 and 2028. The idea is to allow time for workers to prepare while also aligning with demographic and economic realities.
State Pension Age Transition Timeline
| Date | New Pension Age | Affected Birth Dates |
| April 2026 – May 2026 | 66 years, 1 month | April 6, 1960 – May 5, 1960 |
| June 2026 – July 2026 | 66 years, 2 months | May 6, 1960 – June 5, 1960 |
| August 2026 – September 2026 | 66 years, 3 months | June 6, 1960 – July 5, 1960 |
| October 2026 – November 2026 | 66 years, 4 months | July 6, 1960 – August 5, 1960 |
| December 2026 – January 2027 | 66 years, 5 months | August 6, 1960 – September 5, 1960 |
| February 2027 – March 2027 | 66 years, 6 months | September 6, 1960 – October 5, 1960 |
| April 2027 – May 2027 | 66 years, 7 months | October 6, 1960 – November 5, 1960 |
| June 2027 – July 2027 | 66 years, 8 months | November 6, 1960 – December 5, 1960 |
| August 2027 – September 2027 | 66 years, 9 months | December 6, 1960 – January 5, 1961 |
| October 2027 – November 2027 | 66 years, 10 months | January 6, 1961 – February 5, 1961 |
| December 2027 – January 2028 | 66 years, 11 months | February 6, 1961 – March 5, 1961 |
| From March 2028 | 67 years | March 6, 1961 – April 5, 1977 |
Legal and Legislative Context
The Pensions Act 2014 legally established this increase. It was introduced to help maintain the pension system’s sustainability amid increasing life expectancy and a shifting ratio between retirees and workers.
Future projections under current legislation suggest a rise to 68 between 2044 and 2046. However, government reviews could modify this timeline.
Historical State Pension Age Changes
| Period | Change | Affected Demographic |
| 2010–2018 | Women’s age from 60 to 65 | Women born after April 5, 1950 |
| 2018–2020 | Age from 65 to 66 | Men and women born after Dec 6, 1953 |
| 2026–2028 | Age from 66 to 67 | Born March 6, 1961 – April 5, 1977 |
| 2044–2046 (planned) | Age from 67 to 68 | Born after April 5, 1977 |
Why the Change Is Happening
Life Expectancy
According to the Office for National Statistics, a 65-year-old man today can expect to live another 19 years, while a woman can expect 21 more years. This places long-term strain on public pension funds.
Demographic Shifts
With fewer working-age people supporting more retirees, the government is under pressure to adjust pension eligibility to preserve system viability.
Financial Pressures
The rising pension age aims to reduce the state’s long-term liabilities and secure resources for future pensioners.
Future Policy Directions
In 2017, a government review suggested accelerating the age increase to 68 by 2037–2039, but the latest 2022 review proposed a delay to 2041–2043. A further rise to 69 by the late 2040s has also been considered but not confirmed.
The timeline remains uncertain due to political factors and the outcome of the latest general election. With Labour now in government, the future of State Pension age increases may shift based on new policy directions.
How to Check Your State Pension Age
To find out when you can claim your State Pension:
- Visit the official site: GOV.UK – Check your State Pension age
- Enter your date of birth
- The tool will show:
- Your pension age
- Pension Credit eligibility
- Free bus travel age (varies by region)
Preparing for Retirement
Review Your Savings
Use the GOV.UK State Pension forecast tool to check your entitlements and plan additional savings.
Consider Working Longer
Phased retirement might help bridge income gaps, especially if you’re not ready for full retirement.
Explore Additional Benefits
Lower-income individuals may qualify for Pension Credit or Housing Benefit.
Societal Impact
Income-Level Impact
| Income Level | Likely Impact |
| Low | More dependence on state support |
| Middle | Need to adjust private pension plans |
| High | Less reliant on State Pension |
Health Considerations
Those with health issues may find it hard to continue working. Alternative benefits such as disability support may help fill the gap.
Regional Differences
Opportunities for older workers vary by region. In areas with fewer job prospects, adapting to the new retirement age may be more challenging.
FAQs About DWP Confirms State Pension Age Increase
Q. When will the State Pension age rise to 67?
Ans. From April 2026 to March 2028, gradually increasing based on birth date.
Q. Who is affected?
Ans. Anyone born between March 6, 1961, and April 5, 1977.
Q. How can I check my exact pension age?
Ans. Use the online tool: Check your State Pension age
Q. Will it increase again?
Ans. Yes, to 68 between 2044–2046. Subject to review.
Q. What if I can’t work until 67?
Ans. You may qualify for disability benefits or Pension Credit if eligible.
Staying informed and planning ahead will help ensure a smooth transition into retirement despite the rising State Pension age. Regularly review updates on the GOV.UK website and seek advice where needed.
Click here to know more