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 and women, this is currently 65, increasing to 66 by October 2020.
The state pension age is then scheduled to rise to 67 between 2026 and 2028.
The age at which you're eligible for the state pension looks set to increase again to age 68 between 2037 and 2039, although the revised timetable hasn't been confirmed.
State pension age calculator
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 - 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 (see below).
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.
State pension age increase from 67 to 68
The July 2017 review revealed plans to bring the state pension age increase to 68 forward to between 2037 and 2039.
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.
|Date of birth||Likely impact of the proposals|
|On or before 5 April 1970||No change|
|Between 6 April 1970 and 5 April 1978||Your state pension age is currently 67 - it will rise to between 67 years and 1 month and 68 years, depending on your date of birth|
|After 6 April 1978||No change - your state pension age will be 68|
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.