The Department for Work and Pensions operates ‘Special Rules for End of Life’ (SREL), which allow those with a terminal diagnosis to fast-track their benefit payments – but Pensions Minister Torsten Bell has confirmed the rules do not extend to state pension access
The Department for Work and Pensions has specific ‘Special Rules for End of Life’, known as SREL, which enable those facing a terminal diagnosis to bypass assessments, waiting periods and other requirements to expedite their benefit claims and payments.
Nevertheless, Pensions Minister Torsten Bell has confirmed this provision does not apply to state pension payments. The DWP minister clarified that even this cohort of claimants must reach state pension age before gaining access to funds accumulated through years of National Insurance contributions.
MP Martin Wrigley posed a written question to the DWP, asking whether the Secretary of State for the Department would “make an assessment of the potential merits of enabling people below the retirement age with a terminal diagnosis to claim their pension earlier”.
Bell confirmed that advance access to the state pension is not presently available to those with a terminal diagnosis, though he emphasised that the system continues to be reviewed, reports the Liverpool Echo.
He responded: “The Department meets regularly with key stakeholders to understand the needs of people living with a terminal illness.
“Whilst it is the case that nobody can claim their State Pension before State Pension age, support is available through the Special Rules for End of Life.
“These rules enable people who are nearing the end of their lives to get faster, easier access to Personal Independence Payment, Employment and Support Allowance, Universal Credit and Attendance Allowance, without needing to attend a medical assessment, serve waiting periods and in most cases, receive the highest rate of benefit.”
The special rules underwent their most recent revision in 2023, expanding the eligibility requirements after claimants had previously been required to demonstrate they had six months or less to live. The amendment followed a successful campaign by the Marie Curie charity.
At present, to qualify for benefits under SREL, both of the following must apply:
- You have an illness that gets worse over time
- Your doctor or medical professional has said you might have 12 months or less to live
If you have not been given a specific timeframe for how long you might live, as this can prove difficult to predict, you may be able to ask your medical professional to support your claim under the SREL. Those making applications under these rules will also experience a different application process to other benefit claimants.
The state pension age represents the earliest point at which you can begin receiving your state pension payments. The current age is rising from 66 to 67, which will affect everyone who has not yet turned 66. However, you are under no obligation to claim your payments immediately upon reaching state pension age. You have the flexibility to defer and begin claiming at a later date, which could increase your payments but may also carry certain financial risks. The DWP advises obtaining independent financial guidance before choosing whether to postpone your payments. The approach could boost your future state pension payments by incorporating the sum you would have collected into your subsequent instalments.
Bear in mind, though, that you must postpone for at least nine weeks to be eligible for the enhanced payments. Your state pension is automatically postponed if you do not claim it when you reach state pension age.
There is no time limit by which you must claim your state pension, though experts point out that if you opt to increase your regular payments, you may need to weigh up whether you’ll live long enough to ‘break even’ on the sum you postponed.



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