The Department for Work and Pensions (DWP) has confirmed a State Pension age change set to rise to 68 — here’s what you need to know and whether you’re affected
The Department for Work and Pensions (DWP) has announced a significant State Pension age adjustment that will determine when anyone born after 1977 can receive their initial payment.
An alteration to the State Pension age is currently being rolled out across the UK, with the age legally scheduled to increase from 66 to 67 in stages over a two-year period between April 2026 and 2028. As the age rise is being introduced progressively, individuals celebrating their 66th birthday during the transitional phase now face an extended wait before becoming entitled to claim the State Pension.
However, the DWP has announced that an additional age increase is scheduled, impacting anyone born after 1977.
The State Pension age is due to rise again between 2044 and 2046 to age 68, which means younger generations face an even more prolonged wait until they reach retirement age and can begin collecting their State Pension.
Yet the age rise could potentially happen even earlier following the start of an early review. A State Pension age review typically takes place every six years, but the DWP is presently examining whether the transition to age 68 should be brought forward, despite the most recent review having only concluded in 2023, reports the Express.
While the existing timetable for the State Pension age increase remains on track, the third formal review could alter it and possibly advance the next age adjustment. The early review has been initiated following concerns that adults are not contributing sufficiently to private pensions for their retirement, with DWP analysis revealing approximately 15 million people are undersaving for retirement, particularly affecting the self-employed, low-paid workers and certain ethnic minorities.
The Government Actuary has been tasked with preparing a report on the State Pension age as part of this third review and will examine whether the regulations surrounding pensionable age remain suitable, based on life expectancy data, and whether individuals reaching pensionable age within a specified timeframe can be expected to spend a designated proportion of their adult life in retirement.
According to the DWP, adjustments to the State Pension age take a “range of factors” into consideration, and any modifications must pass through Parliament before becoming legislation.
Therefore, while there are no immediate plans to alter the schedule for the age increase from 66 to 67, the review could modify the timetable for the age increase from 67 to 68.
However, under the existing plan, the State Pension age for men and women born afterApril 5, 1977 will rise to 68 and be implemented progressively between 2044 and 2046.
Consequently, individuals with birthdays between April 6, 1977 and April 5, 1978 will need to wait until they reach 68 and have accrued a specified number of months before they can claim their State Pension. Anyone born on or after April 6, 1978 will be entitled to receive their State Pension from their 68th birthday.
The timetable for the age change, as confirmed by the DWP, is as follows:.
- Born between April 6, 1977 – May 5, 1977 – Reach State Pension age on May 6, 2044
- Born between May 6, 1977 – June 5, 1977 – Reach State Pension age on July 6, 2044
- Born between June 6,1977 – July 5, 1977 – Reach State Pension age on September 6, 2044
- Born between July 6, 1977 – August 5, 1977 – Reach State Pension age on November 6, 2044
- Born between August 6, 1977 – September 5, 1977 – Reach State Pension age on January 6, 2045
- Born between September 6, 1977 – October 5, 1977 – Reach State Pension age on March 6, 2045
- Born between October 6, 1977 – November 5, 1977 – Reach State Pension age on May 6, 2045
- Born between November 6, 1977 – December 5, 1977 – Reach State Pension age on July 6, 2045
- Born between December 6, 1977 – January 5, 1978 – Reach State Pension age on September 6, 2045
- Born between January 6, 1978 – February 5, 1978 – Reach State Pension age on November 6, 2045
- Born between February 6, 1978 – March 5, 1978 – Reach State Pension age on January 6, 2046
- Born between March 6, 1978 – April 5, 1978 – Reach State Pension age on March 6, 2046
- Born April 6, 1978 onwards – Reach State Pension age on 68th birthday
Commenting on the planned age increase to 68, the DWP said: “Under the Pensions Act 2007, the State Pension age for men and women will increase from 67 to 68 between 2044 and 2046.
“The Pensions Act 2014 provides for a regular review of the State Pension age, at least once every 5 years. The review will be based on the idea that people should be able to spend a certain proportion of their adult life drawing a State Pension. The first review must be completed by May 2017.
“As well as life expectancy, it will take into account a range of factors relevant to setting the pension age. After the review has been reported, the government may then choose to bring forward changes to the State Pension age. Any proposals to do so would, like now, have to go through Parliament before becoming law.
“The government is not planning to revise the existing timetables for the equalisation of State Pension age to 65 or the rise in the State Pension age to 66 or 67. However the timetable for the increase in the State Pension age from 67 to 68 could change as a result of the review.
“In the Autumn Statement on December 5, 2013, the Chancellor announced that this government believes that future generations should spend up to a third of their adult life in retirement. This principle implies that State Pension age should rise to 68 by the mid-2030s, and 69 by the late 2040s.
“However, the government is not currently legislating for this change – these dates are indicative only, showing a general direction of travel for future State Pension age changes.”

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