Successive governments have increased the age at which we can get our hands on the state pension.
The days when women could get it at 60 and men at 65 will soon be a distant memory.
For many of us, the state pension will form the core of our retirement income, so it’s important to be clear exactly when you qualify for it. Use our calculator to find out when you can start claiming the state pension.
When can I claim the state pension?
You can claim state pension when you reach the state pension age. For men, this is currently 65 and for women it is around 64, increasing to 65 by November 2018.
From December 2018, the state pension age will rise for both men and women, until it reaches 66 in October 2020 and 67 between 2026 and 2028.
The state pension age rises again to age 68 between 2037 and 2039.
State pension age calculator
Note - In July 2017, the government announced its intention to increase the state pension age from 67 to 68 between 2037 and 2039, which is seven years earlier than previously planned.
This means that those born between April 1970 and April 1978 can expect their state pension age to be 68 and not 67 (as the calculator results will show), but this this hasn’t yet been approved by parliament, so the full amended timetable isn’t available.
To find out when you will qualify for the state pension, you can use our state pension age calculator.
All you’ll need to input is whether you’re a man or woman and your date of birth.
Note that the calculator does not currently reflect the increase in state pension age occurring in 2037. We will update the tool when the government publishes more information.
Claiming the state pension
If you live in the UK, you won’t receive your state pension automatically when you reach state pension age.
You’ll get a letter four months before you retire, which will detail how you can claim.
There are three ways in which you can claim:
- over the phone by calling the state pension claim line (0800 731 7898)
- online by registering with Government Gateway via the Department for Work and Pensions website
- by downloading the state pension claim form and sending it to your local pension centre.