The UK Govt has officially confirmed that the State Pension age will increase from 66 to 67, and this change will directly affect people born after April 1960. The rise will be phased in gradually between 2026 and 2028, meaning millions will now have to wait longer to claim their State Pension.
Why the State Pension Age Is Rising
The decision is driven by longer life expectancy and the financial pressure on the pension system. As people live longer, the government has to balance sustainability with fairness, ensuring that pensions remain affordable for future generations. This increase is part of the framework set out in the Pensions Act 2014, which requires regular reviews.
Who Will Be Affected?
- People born before April 1960: No change, State Pension age remains 66.
- People born after April 1960: Will see their pension age gradually rise, reaching 67 by 2028.
- Those born between April 1961 and March 1977: Will have to wait until their 67th birthday to claim their pension.
What About a Rise to 68?
While some reports suggested an earlier move to 68, the Government has not yet confirmed this. The next review will reassess whether the increase to 68 (currently scheduled for 2044–2046) should happen sooner.
How This Impacts Pension Planning
For those born after April 1960, the delay means they will need to work longer, save more privately, or rely on workplace pensions and ISAs before receiving their State Pension. The Government recommends using the State Pension age calculator to find out your exact retirement date.
Conclusion: The State Pension age will officially rise to 67 between 2026 and 2028, affecting everyone born after April 1960. While this change is gradual, it highlights the importance of early retirement planning. Saving into private pensions, building an ISA portfolio, and maximising workplace contributions will help bridge the gap until State Pension eligibility kicks in.
Disclaimer: This article is based on UK Government policy updates as of September 2025. Pension rules and retirement ages are subject to future reviews and changes. Always check the official for the most up-to-date information.
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