DWP Confirms Health Benefit Support for Pre-Pensioners as State Pension Age Increases
The Department for Work and Pensions (DWP) has responded to concerns about older individuals with long-term health conditions who must wait longer to receive their State Pension due to upcoming age increases. Conservative MP Simon Hoare, representing North Dorset, raised the issue, asking what steps are being taken to assist these "pre-pensioners."
Rising State Pension Age and Health Challenges
The UK State Pension age is currently 66 for all, but it is set to rise to 67 between April 2026 and April 2028 for those born on or after April 6, 1960. A further increase to 68 is planned for 2044–2046, subject to review. As people age, they often develop health issues linked to ageing, such as heart disease, cancer, diabetes, obesity, arthritis, and dementia. According to the World Health Organisation, over 90% of people aged 65 and over have at least one chronic condition, with the NHS noting that about 35% of older adults in the UK face these challenges, often accompanied by sensory loss, frailty, and mobility problems.
DWP's Response and Available Support
In a written reply, DWP minister Dame Diana Johnson outlined the support available. She emphasised that people with long-term health conditions will continue to be supported by the benefit system, including Personal Independence Payments (PIP) and Universal Credit for those unable to work before reaching retirement age. The DWP recognises the value of older workers and has initiatives like the Keep Britain Working Review, led by Sir Charlie Mayfield, which examined how employers can better support disabled individuals and those with health conditions. A Vanguard Phase is now testing new employer-led approaches to help people stay in work.
Specific measures include:
- Employment Advisors in NHS Talking Therapies
- Individual Placement and Support in Primary Care
- Pathways to Work and WorkWell programmes
- Access to Work grants for tailored assistance
Additionally, dedicated support for workers aged 50 and over is available through jobcentres, featuring 50PLUS Champions, the Midlife MOT, and local Employer and Partnership Teams. These services offer guidance on health, skills, financial support, and employer connections. The DWP is also considering enhanced support through a new Jobs and Careers Service to help older individuals and those with health conditions find meaningful work and increase earnings.
Eligibility for Universal Credit and PIP
Universal Credit may be claimed if you are on a low income or need help with living costs. Eligibility requires being aged 18 or over (with some exceptions for 16 to 17-year-olds), living in the UK, under State Pension age, and having £16,000 or less in money, savings, and investments. You can claim if you are out of work, working (including self-employed or part-time), or unable to work due to a health condition.
Personal Independence Payment (PIP) is available if you are 16 or over, have a long-term physical or mental health condition or disability, experience difficulty with everyday tasks or mobility, and expect these difficulties to last at least 12 months. Typically, you must be under State Pension age to make a new claim, with different rules for those nearing the end of life. In Scotland, Adult Disability Payment (ADP) replaces PIP.
This comprehensive support aims to mitigate the impact of rising State Pension ages on vulnerable older adults, ensuring they have access to necessary benefits and employment opportunities during the extended waiting period.
