Experts propose allowing people to claim state pension earlier as age rises to 67 by 2028
Experts have outlined a proposal for a scheme that would enable individuals to claim their state pension at an earlier age. This follows recent remarks from a senior DWP minister, who informed MPs that the matter is a key priority going forward.
The state pension age is set to rise gradually from April 2026, climbing from 66 in phases until it reaches 67 by April 2028. The full new state pension currently stands at £241.30 per week, following a 4.8 per cent increase under the triple lock.
The triple lock guarantees annual April increases based on whichever is highest among three measures: average earnings growth, inflation or 2.5 per cent. DWP minister Torsten Bell was recently questioned by the Work and Pensions Committee about proposals to allow early access for specific groups.
He told the MPs: “It is a very good question, and I think we should take that seriously.” He went on to highlight that there are certain “inequality challenges” within the state pension system, reports the Mirror.
The minister said: “You want there to be a state that is supporting people who are too ill to work, whether they are 25, 45 or 66. That is important to have in mind.
“You want a system that means people are getting help. We have chosen, for good reasons, to have a big difference in the level of income support provided to people over the state pension age and under it, in big-picture terms, because the work incentive issues are different and all the rest.”
Wealth management firm Aegon is amongst those who have long advocated for early access to the DWP benefit. Kate Smith, head of Pensions at the group, said: “We welcome the Government’s willingness to explore how the system can better reflect the fact that not everyone is able to work right up to an ever‐rising state pension age, with lower income groups more adversely impacted.
“On average people are living longer but not necessarily healthier.” She went on to outline the reasoning behind an early access scheme: “At Aegon we have long made the case that a single fixed minimum state pension age increasingly fails to recognise differences in people’s health, job demands and caring responsibilities.
“Greater flexibility would give individuals more choice over when they access the state pension, rather than forcing a one‐size‐fits‐all approach.”
When questioned about how such a system might function, Ms Smith said: “Any reform must continue to be based on individual need and capability, while offering practical options and support for people who simply can’t stay in work for longer. Exploring a more flexible framework is a sensible and pragmatic step, and one we believe is worth serious consideration.”











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