State Pension age changes - effect on benefits

State Pension age changes - effect on benefits

State Pension age for women is gradually increasing from 60 to 65. This affects when both men and women can claim Pension Credit and other means-tested benefits for pensioners.

Once state pension age for women has reached 65 in November 2018 there will then be further increases that affect both men and women.

To find out your pension age use the pension age calculator. You can use the calculator to find out the date when you will qualify for the state pension and when you will qualify for Pension Credit. For single women these two dates are the same, but for others the dates may be different.

Age of entitlement for Pension Credit

The minimum age for Pension Credit, and for Housing Benefit/Council Tax Support for people of pension age, is increasing in line with women’s state pension age. The minimum age for the state pension for women, and for Pension Credit for men and women, is now over 63 and a half and increasing.

If you are in a couple your eligibility for means-tested benefits is currently determined by the age of the oldest person in the couple. However, please be aware that when Universal Credit is rolled out this rule will be reversed and the age of the youngest member of a couple will determine whether they qualify for Pension Credit. There are no dates available as yet for when this will happen so mixed age couples in full service UC areas can still claim Pension Credit based on the age of the oldest person. For information see Universal Credit and pension age for couples.

Earliest date men and women can qualify for Pension Credit and pension age means-tested benefits

As of 6th July 2017 anyone born on or before 5th August 1953 qualifies for pension age benefits (Pension Credit and Housing Benefit/Council Tax Support for people of pension age). Dates for people born after this are below.

  • People born 06/08/53 – 05/09/53 can claim from 06/11/2017
  • People born 06/09/53 – 05/10/53 can claim from 06/03/2018
  • People born 06/10/53 – 05/11/53 can claim from 06/07/2018
  • People born 06/11/53 – 05/12/53 can claim from 06/11/2018

Increase in state pension age from 65 to 66

Once state pension age for women has reached 65 in November 2018 there will then be a further increase to reach age 66 by October 2020. This increase beyond 65 affects both men and women and is included in the pension age calculator.

The schedule for the increase in men's and women's state pension age is as follows:

  • People born 06/12/53 – 05/01/54 can claim from 06/03/2019
  • People born 06/01/54 – 05/02/54 can claim from 06/05/2019
  • People born 06/02/54 – 05/03/54 can claim from 06/07/2019
  • People born 06/03/54 – 05/04/54 can claim from 06/09/2019
  • People born 06/04/54 – 05/05/54 can claim from 06/11/2019
  • People born 06/05/54 – 05/06/54 can claim from 06/01/2020
  • People born 06/06/54 – 05/07/54 can claim from 06/03/2020
  • People born 06/07/54 – 05/08/54 can claim from 06/05/2020
  • People born 06/08/54 – 05/09/54 can claim from 06/07/2020
  • People born 06/09/54 – 05/10/54 can claim from 06/09/2020
  • People born 06/10/54 – 05/04/60 can claim from their 66th birthday

Increase in state pension age from 66 to 67

Once state pension age for men and women has reached 66 in October 2020 there will then be further increases. Pension age is set to increase from 66 to 67 between 2026 and 2028. Rather than using specific dates for people born within a certain period, people born between 6 April 1960 and 5 March 1961 will reach pension age when they are 66 and the specified number of months below.

  • People born 06/04/60 – 05/05/60 can claim from 66 years and 1 month
  • People born 06/05/60 – 05/06/60 can claim from 66 years and 2 months
  • People born 06/06/60 – 05/07/60 can claim from 66 years and 3 months
  • People born 06/07/60 – 05/08/60 can claim from 66 years and 4 months
  • People born 06/08/60 – 05/09/60 can claim from 66 years and 5 months
  • People born 06/09/60 – 05/10/60 can claim from 66 years and 6 months
  • People born 06/10/60 – 05/11/60 can claim from 66 years and 7 months
  • People born 06/11/60 – 05/12/60 can claim from 66 years and 8 months
  • People born 06/12/60 – 05/01/61 can claim from 66 years and 9 months
  • People born 06/01/61 – 05/02/61 can claim from 66 years and 10 months
  • People born 06/02/61 – 05/03/61 can claim from 66 years and 11 months
  • People born 06/03/61 – 05/04/77 can claim from their 67th birthday

Note:

A person born on 31st July 1960 is considered to reach the age of 66 years and 4 months on 30th November 2026. A person born on 31st December 1960 is considered to reach the age of 66 years and 9 months on 30th September 2027. A person born on 31st January 1961 is considered to reach the age of 66 years and 10 months on 30th November 2027.

State Pension Age increases beyond age 67

Current law allows for State Pension age for men and women to increase from 67 to 68 between 2044 and 2046 but a government review published 19 July 2017 proposes a new timetable which will see the State Pension age increase to 68 between 2037 and 2039, 7 years earlier than legislated for. The change will affect everyone born between 6 April 1970 and 5 April 1978.

It is likely that further increases in state pension age, to age 70 and beyond, will be announced in the future.

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