Starting 2026, the State Pension age in the UK will begin increasing from 66 to 67, under the schedule laid out in the Pensions Act 2014. This change will be phased in over two years, completing by 2028. The shift directly affects individuals born between 6 March 1961 and 5 April 1977.
This adjustment impacts the UK state pension payment system by delaying when millions will begin receiving their pension.
The government argues the change is needed to maintain pension sustainability in light of demographic and financial pressures.
Why the Rise? Demographics, Costs & Longevity
The rationale behind raising the retirement age is rooted in:
- Longer life expectancy: People are living longer, so the period in which pensions must be paid is longer.
- Population ageing: A larger proportion of citizens are retiring and drawing benefits.
- Rising pension costs: State Pension payouts already exceed £175 billion annually, and projections suggest they could reach nearly 8 % of GDP in future decades.
Because of these pressures, the government is committed to the legislated increase. However, a further rise to age 68 is also under review for possible implementation between 2044 and 2046.
Who Gets Affected & When?
Here’s a table summarizing who’s affected and when their State Pension age changes:
| Born Between | Previous SPA (State Pension Age) | New SPA (Phase-In 2026–28) |
|---|---|---|
| 6 March 1961 – 5 April 1977 | 66 | 67 |
| After 5 April 1977 | 66 | 67 (or later) |
| Before March 1961 | Already eligible or reach SPA at 66 | No change |
- If your date of birth falls within that window, your claim age is delayed.
- The government will send letters to affected individuals ahead of their new SPA.
Possible Future Hike to Age 68
Currently, the next planned increase—to age 68—is slated for 2044–2046. But experts and reviews have suggested bringing that forward to 2041–2043.
The government is required to carry out periodic reviews, so adjustments could shift depending on life expectancy trends and fiscal pressures.
What You Should Do Now
If you’re approaching retirement, here are action steps:
- Use the DWP’s State Pension age calculator to check your SPA now.
- Review your private pension and savings to prepare for any gap years.
- Consider delaying retirement or doing part-time work if your SPA is pushed out.
- Monitor further announcements and reviews, especially those concerning a 68 SPA.
Financial advisors recommend building a buffer to account for any uncertainty about when your pension will start.
The rise of the State Pension age to 67 starting in 2026 will affect millions nearing retirement, delaying when they can claim their benefits under the UK state pension payment framework.
While intended to preserve the system’s sustainability, the shift places renewed importance on planning, savings, and awareness.
If your birth date falls within the affected range, it’s vital to know your new SPA, adjust retirement expectations accordingly, and stay alert for further changes—including a possible acceleration to age 68 down the line.
FAQs
Do I really have to wait until 67 if I was born in 1962?
Yes — under current legislation, your SPA will shift to 67 during the 2026–2028 phase-in.
Will my UK state pension payment be reduced because of this change?
No. You will still receive the full entitlement once you reach the new SPA, assuming you’ve met contribution requirements.
Can the government raise the pension age faster than 2028?
It’s possible. The law allows reviews and adjustments, but any new change would require significant notice and parliamentary approval.